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Every citizen is entitled to a free credit report from the credit bureaus at least once per year according to federal laws. There is a process however that must be followed by every person who is interested in getting a free credit report from any of the three consumer credit bureaus.

One thing is however important for any body looking for his/her credit report to note. The main website that is authorized to issue credit reports for free is the government commissioned site at AnnualCreditReport.com. You should therefore be very cautious when you make your application through any other site since you are likely to be charged for the service. Taking into consideration the fact that there are three registered consumer credit reporting companies nationwide, you should also take note that the website above is a joint effort among the three credit reporting companies and you should therefore be able to get your free credit report from any of the three companies from this site.

Other than the annual free credit report that each person is entitled to get from the three credit reporting companies, there are situations where an applicant may be entitled to get free credit report from the companies even if they have exhausted their free annual report from each of the companies. These situations include sensitive cases where a client or applicant may have a dispute concerning the report or part of the information contained in the report. Given that the information contained in the report is usually gathered from people and companies that you have carried out transactions in the past, it is at times subject to errors.

If you notice significant errors in the report that are likely to change your credit worthiness, you have the right to forward a formal complaint to the reporting company with supporting evidence and in the event that the company fails to act on the complaint, you are free to launch a formal complaint in a court of law. Under such circumstances, you are entitled to get a free credit report form the company in question even if they have already issued you with a copy for the current year.

Other cases would include people who have been out of employment for some time d have just gotten an opportunity to get back to work and the report happens to be a course of dispute or if the report is cited as reason for your employer to deny you the opportunity.