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Annual Credit Report

Each year, you are allowed one free report per credit bureau. There are three credit bureaus – Equifax, Experian, and TransUnion.

First Central suggests requesting a free credit report from one of the three bureaus during the year. For example in April (Eqifax), in August (Experian), and in December (TransUnion). is the only official site explicitly directed by Federal law to provide a free report.

Annual Credit The only source for your free credit reports. Authorized by Federal law.