As you know, you are legally entitled to one free credit report each year from each of the major credit reporting bureaus. Oddly enough, what this entitlement does not include is the guarantee you will be able to read it. Free credit reports are only available in English. But, if you are willing to pay for it, FICO now offers a credit report in Spanish.
It’s funny how something so obvious can go unnoticed for so long. Not once have I ever wondered whether credit reports were, indeed, available in other languages. Now that I know they’re not, it seems a glaring, near-offensive, oversight in a country where Spanish is the primary language spoken at home by millions.
Fortunately, FICO has taken the lead in correcting this gross oversight. Now when you visit the site, you can not only order a copy of your credit report in Spanish, but you can access the entire website in the Spanish translation. Specifically, you may toggle between Spanish and English while navigating the site, select the Esponol tab, or simply go directly to espanol.MyFICO.com.
While it is certainly a step in the right direction that FICO now offers Spanish versions of credit reports, it begs the obvious question. When will the same be true of the free credit reports offered by Experian, Equifax and Transunion? Yes, English versions of credit reports can be translated, like anything else, but considering the importance we place on credit in this country, shouldn’t we be petitioning for a system that makes credit monitoring and credit repair as hassle-free as possible?
What do you think? Should the free copies of annual credit reports we are legally entitled to be made available in Spanish? Or is it not that big of a deal? Why or why not?
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It is worse than that. How can a person who really cannot read English deal with a debt predator who intends to get a default judgment on them….You need to be able to read the complaint…that is of course if it is not a gutter service!