American consumers are now entitled to receive one free copy of their credit report per year from each of the three major credit reporting agencies. Equifax, Experian, and Trans Union are now all required by law to furnish to you a copy When you challenge an item on your credit report the company you owed the money to has the right to produce paperwork saying that their claim is legitimate. If they do not, then the credit bureau will remove the item from your report Credit Reports bankbank.com Frer Credit Reports For Yau Home