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Bush signed into law the Fair and Accurate Credit Transaction Act.

One of its provisions required each of the three major credit bureaus (Experian, Equifax, and Trans Union) to provide consumers free access to their credit reports every 12 months.

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Be warned: their website does NOT provide free credit scores! There are only four ways for consumers to get their real FICO scores.

If you try to get your scores through their site you may have to enroll in a “free” trial with the credit bureaus that can be difficult to cancel during the 7-day grace period. The vast majority of website, including the offers from the bureaus through Annual Credit Report.com, use imitation scoring models that are not FICOs.

What they offer you is NOT used by lenders or creditors; it’s merely a score for “educational purposes.” If you want to get your real FICO, there are several sources licensed to provide it directly to consumers as of Q2 2016: Even though checking your reports through the Annual Credit website won’t get you your scores, it’s a great way to check your credit health and to make sure all the information is accurate.

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