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Your credit score determines a good portion of what you can and cant do in life and it pays to be informed. In 2003, an amendment was made to FACTA, the Fair and Accurate Credit Transactions Act, which now forces the three nationwide consumer reporting companies to provide the credit report Rhode Island you with a copy of the credit report Rhode Island your credit report free of charge. Upon request, each of the three credit bureaus (Equifax, Experian, TransUnion) must by law give you a copy of your credit report once every twelve months. your credit report
In order to maximize efficiency, its recommended that you stagger your credit reports, requesting one every four months. This allows you to maintain a general idea of where your credit score stands while keeping an eye out for any mistakes on your record.
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