The Fair and Accurate Credit Transactions Act (FACTA) entitles you to one free credit report each year from Experian, Equifax, and TransUnion and you can get this through AnnualCreditReport.com or by calling 1-877-322-8228. Please obtain a copy of your report and come see us at our Homebuyer 101 Seminar May 25, 2016 @ 6pm 3300 Sunset Blvd West Columbia, SC 29169.