Do I have to pay for my credit reports every time I request them?

No. You are entitled to a free annual credit report from each of the three big credit agencies (Experian, TransUnion and Equifax) every 12 months.  You are also entitled to a free report when you receive adverse credit decisions (e.g. denied credit, employment, or home rental) that were based on your credit report information.  It’s best to request your free annual credit report with a written request. You can find the form here.  

Kellam T. Parks
Managing Member of Parks Zeigler, PLLC