87
True
United States
The website provides guidance on disputing errors in credit reports, emphasizing the importance of accuracy for financial and employment opportunities. It outlines the rights to free credit reports, the process for correcting mistakes, and the impact of negative information.
The claims regarding consumer rights to access credit reports and the processes involved are well-supported by authoritative sources. The right to free annual credit reports from each bureau is confirmed by the FTC and CFPB. The extension of free weekly reports is corroborated by multiple sources, including the FTC. Equifax's offer of additional free reports through 2026 is verified by Equifax itself. The reporting durations for negative and bankruptcy information are consistent with FCRA guidelines. The 30-day period for dispute investigations is also supported by multiple sources, aligning with legal requirements. Overall, the claims are accurate and reflect current consumer rights and practices.
Individual Claims
100
True
Consumer Rights
You have the right to get free copies of your credit report from each of the three major credit bureaus once every 12 months.
The claim is supported by multiple authoritative sources, including the Federal Trade Commission (FTC) and Consumer Financial Protection Bureau (CFPB), which confirm that consumers are entitled to one free credit report every 12 months from each of the three major credit bureaus through AnnualCreditReport.com.
Fact Check Score
None
Fact Check Weight
0
Web Consensus Score
100
Web Consensus Weight
50
Source Quality Score
100
Source Quality Weight
25
Llm Reasoning Score
100
Llm Reasoning Weight
25
Weighted Total
100
Evidence Summary
Multiple authoritative sources confirm the right to one free credit report per year from each bureau.
79
Mostly True
Consumer Rights
The three bureaus have permanently extended a program that lets you check your credit report from each once a week for free at AnnualCreditReport.com.
The claim is supported by evidence from the FTC and AnnualCreditReport.com, which state that the free weekly credit report program has been made permanent. This is corroborated by multiple sources, indicating a high likelihood of accuracy.
Fact Check Score
None
Fact Check Weight
0
Web Consensus Score
85
Web Consensus Weight
50
Source Quality Score
85
Source Quality Weight
25
Llm Reasoning Score
85
Llm Reasoning Weight
25
Weighted Total
79
Evidence Summary
Multiple sources confirm the permanent extension of free weekly credit reports.
84
True
Consumer Rights
Anyone in the U.S. can get 6 free credit reports per year through 2026 by visiting the Equifax website or by calling 1-866-349-5191.
The claim is supported by evidence from Equifax and other sources, confirming that U.S. consumers can receive up to six additional free Equifax credit reports annually through 2026 due to settlements. This is corroborated by multiple reliable sources.
Fact Check Score
None
Fact Check Weight
0
Web Consensus Score
90
Web Consensus Weight
50
Source Quality Score
90
Source Quality Weight
25
Llm Reasoning Score
90
Llm Reasoning Weight
25
Weighted Total
84
Evidence Summary
Equifax and other sources confirm availability of 6 free reports annually through 2026.
89
True
Consumer Rights
Credit bureaus can report most negative information for seven years, and bankruptcy information for 10 years.
The claim is supported by evidence from multiple sources, including legal guidelines under the Fair Credit Reporting Act (FCRA), which confirm that most negative information can be reported for seven years and bankruptcy information for ten years.
Fact Check Score
None
Fact Check Weight
0
Web Consensus Score
95
Web Consensus Weight
50
Source Quality Score
95
Source Quality Weight
25
Llm Reasoning Score
95
Llm Reasoning Weight
25
Weighted Total
89
Evidence Summary
FCRA guidelines confirm reporting durations for negative and bankruptcy information.
84
True
Consumer Rights
The credit bureau has 30 days to investigate a dispute.
The claim is supported by evidence from Equifax and other sources, which confirm that credit bureaus typically have 30 days to investigate disputes, as mandated by the Fair Credit Reporting Act (FCRA).
Fact Check Score
None
Fact Check Weight
0
Web Consensus Score
90
Web Consensus Weight
50
Source Quality Score
90
Source Quality Weight
25
Llm Reasoning Score
90
Llm Reasoning Weight
25
Weighted Total
84
Evidence Summary
Multiple sources confirm the 30-day investigation period for credit disputes.
