Friday, March 04, 2005

Free Credit Reports

Under the Fair and Accurate Credit Transactions (FACT) Act, all U.S. residents can request free copies of their personal credit reports from the credit reporting agencies once every 12 months. This program launched December 1, 2004 for consumers living in Alaska, Hawaii, Washington, Oregon, California, Idaho, Nevada, Montana, Wyoming, Utah, Arizona, Colorado and New Mexico. The Midwest will have access to their annual reports in March 2005, the South in June 2005 and the Northeast in September 2005.

When your state launches, you can request your personal credit reports online through the central FACT Act Web site at You can also request your reports by phone (1-877-322-8228) or mail. After 12 months have passed, you can return to the same site to request your reports again.

(From TrueCredit)

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