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The Fair Credit Reporting Act (FCRA) requires each of the nationwide credit reporting companies — Equifax, Experian, and Trans Union — to provide you with a free copy of your credit report, at your request, once every 12 months.

The FCRA promotes the accuracy and privacy of information in the files of the nation’s credit reporting companies.

Moreover, the Credit Card Accountability, Responsibility and Disclosure Act of 2009, or CARD Act, made it harder for anyone under 21 to get a credit card.

There's also a more straightforward reason why a majority of millennials aren't carrying the payment method: Many, like Duffy, just don't want credit cards."I don't really feel like there's a need for one in the way I live my life," says Melissa Pileiro, a 24-year-old resident of Vineland, New Jersey.

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Comparatively, only 35 percent of adults 30 and over don't have credit cards.Help Center The help center is your source for information about 5Dimes. Customer service is priority one at 5Dimes, and we'll be happy to assist you. We also have trained customer service representatives available around the clock. Click on "Account" from the top navigation, then "Change Password". Your new password has to be different than your previous passwords.We provide real-time customer support and are available around-the-clock to assist you with any questions or problems. It also should not contain profanity or obscenities.Six years ago, I decided to cut credit out of my life. I grew up believing that a credit card was something you needed to be a responsible adult in this world, so I was thrilled when my parents opened up my first credit card for me in college. Working as an entry-level assistant in the television industry, trying to make ends meet in New York City, I quickly realized that my ,500 salary alone wasn’t going to cut it.To make up the difference, I opened up three more credit card accounts over the next three and a half years. Instead of opting out in the name of financial responsibility, I could spring for the next round of drinks with my friends.The three nationwide credit reporting companies have set up a central website, a toll-free telephone number, and a mailing address through which you can order your free annual report. Do not contact the three nationwide credit reporting companies individually.