Getting your credit reports for FREE is much easier since the FACT ACT was passed in 2003.  The Fact Act is an amendment made to the Fair Credit Report Act making it possible for consumers to get one free credit report every 12 months from each of the three credit bureaus.  When the Fact Act was passed the credit bureaus got together and created one site for consumers to use to get their FREE copy of each credit report.  You can log into to get your copy of each credit report (Experian, Equifax, and TransUnion) once every 12 months.

Some other options for free credit reports, are websites that offer you a week to a month FREE trial of their Credit Monitoring program so you can log in, order all three reports (sometimes credit scores too) and review your credit reports.  Once you get your credit reports from the credit monitoring company it is up to you whether you stay with the program or not.  If you decide you do not want the program then make sure you cancel before the trial is up so you do not get billed for their service.

If you have been denied credit in the last 90 days you can get a credit report for FREE from which ever bureau the potential lender used to decide if you were approved or not.  You can also order your credit reports from the credit bureaus directly at, and

For qualified consumers, there are some additional options provided under the Fair Credit Reporting Act that entitle you to receive a free copy of your credit report. You are entitled to a free copy of your credit report if you’ve been denied credit, insurance or employment and request the report within 60 days of notice, or if you can prove that (a) you’re unemployed and plan to look for a job within 60 days, (b) you’re on welfare, or (c) your report is inaccurate because of fraud or identity theft. If your application for credit, insurance, or employment is denied because of your credit information, the company to which you applied must give you the name and address of the credit bureau they used to make their decision. If you don’t qualify under any of those categories, you can use one of the options above, or you will need to purchase your credit reports, which are approximately $9.00 – $12.95 each when purchased directly from the credit bureaus.

Once you get your credit reports, please give us a call at 1-866-639-3426 Option 2 or email [email protected] to schedule a FREE Credit Consultation.  At Ovation Credit Services, our Credit Analysts would be happy to review your credit reports with you.  We can discuss your credit options and how we can help you to improve your credit reports and credit scores. You can also visit to learn about our programs and services.

Call Now for a FREE Credit Consultation