The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies – Equifax, Experian, and TransUnion – to provide you with a free copy of your credit report, at your request, once every 12 months. The FCRA promotes the accuracy and privacy of information in the files of the nation’s consumer reporting companies. The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the FCRA with respect to consumer reporting companies. A credit report includes information on where you live, how you pay your bills, and whether you’ve been sued, arrested, or filed for bankruptcy. Nationwide consumer reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home. Here are the details about your rights under the FCRA and the Fair and Accurate Credit Transactions (FACT) Act, which established the free annual credit report program. Q: How do I order my free report? A: The three nationwide consumer reporting companies have set up a central website, a toll-free telephone number, and a mailing address through which you can order your free annual report. To order your free credit report, visit annualcreditreport.com or call 1-877-322-8228 Q: How long does it take to get my report after I order it? A: If you request your report online at annualcreditreport.com, you should be able to access it immediately. If you order your report by calling toll-free 1-877-322-8228, your report will be processed and mailed to you within 15 days. free credit report in Aventura | Bal Harbour | Bay Harbor Islands | Biscayne Park | Coral Gables| Doral| El Portal | Florida City | Golden Beach | Hialeah | Hialeah Gardens | Homestead| Indian CreekVillage | Islandia | free credit report in Key Biscayne | Medley | free credit report in  Miami | vfree credit report in Miami Beach | Miami Gardens | Miami Shores | Village | free credit report in  Miami Springs | North Bay Village | North Miami | North Miami Beach | Opa-Locka| free credit report in Pinecrest | free credit report in South Miami | Sunny Isles Beach |Surfside | free credit report in Sweetwater | Virginia Gardens | West Miami
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