GOLD and HAMMES, Attorneys

The three major credit reporting agencies (Experian, Trans - Union, and Equifax) are required by their agreement with the Federal Trade Commission, to offer every person a free credit report once each year. Here is the site that offers those free reports.

The credit reporting agencies would like to convince people who are just trying to get a copy of their credit reports, to pay for unnecessary extra services. Do not be confused by the options the offer, just keep clicking "next" or the "free" options, to avoid paying them money.

Get Your Free Credit Reports

Helpful Information About What Your Credit Report Means to You