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IMPORTANT DISCLOSURE: Smart Credit and Consumer Direct are not affiliated with the annual free credit report program. Under Federal law, you have the right to receive a free copy of your credit report once every 12 months from each of the three nationwide consumer reporting agencies. To request your free annual report under that law, you must go to www.annualcreditreport.com.
* - The Smart Credit Report is new credit and communications technology patented under USPTO 7,818,228 and is not a credit report as traditionally known or viewed, nor is it prepared by or obtained as a file disclosure from a National Credit Reporting Agency. It is entirely different containing additional data, formatting and print restrictions that are not similar to a credit report. The Smart Credit Report is a communications medium for consumers and their creditors. Safe Harbor Disclosure: THIS NOTICE IS REQUIRED BY LAW. Read more at FTC.GOV You have the right to a free credit report from AnnualCreditReport.com or 877-322-8228, the ONLY authorized source under federal law for a free credit report.
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