Did you know that you are entitled to a free credit report from each of the three national credit bureaus once every 12 months? It’s true! Visit www.annualcreditreport.com to get your free reports and don’t be fooled by other advertised credit report companies that will surely charge you fees for a copy.

Here are some facts about credit to help you be a more savvy consumer:

  • Virtually every service provided by a credit repair firm can legally be done by consumers themselves for free, or at minimum cost.
  • No one can legally remove accurate information from a credit report. The only way to get negative information off a credit report is to pay off a debt, or wait for it to expire.
  • Any consumer can dispute inaccurate information at no charge. Inaccurate information will be changed or deleted free of charge.  Credit reports contain an easy-to-complete dispute form to help consumers who disagree with the information.
  • There are no miracle cures for bad credit.

Credit facts courtesy of the Utah Division of Consumer Protection.