Free Annual Credit Report

It is very important to monitor the information contained in your credit report. In the past this wasn't so easy to do. As of September 1, 2005 all consumer are eligible to receive an annual free credit report online.

The Fair and Accurate Credit Transaction Act (FACT Act) was signed into law on December 4, 2003 by President Bush. The FACT Act will help to insure that consumers will be able to easily monitor their credit scores, confront the growing problem of identity theft and maintain a good credit history.

Under the FACT Act consumers in all 50 states and U. S. Territories may request and receive a free annual credit report online once every 12 months from each of the three national credit reporting companies.

The three nationwide credit reporting companies are:

Equifax
Experian
TransUnion

The free credit report program provided for by the FACT Act was rolled out across the country between December 1, 2004 and September 1, 2005. The three nationwide credit reporting companies have set up a centralized website and a toll-free hotline from which you can order your free credit report.

How to request your Free Annual Credit Report

Visit Free Annual Credit Report
Call 1-877-322-8228 or TDD 1-877-730-4104
When requesting your free annual credit report you will be asked to answer a few simple questions for verification purposes.

Know Your Credit History

Knowing your credit history is critical to your financial future.
It helps to identify and prevent identity theft.
Reviewing your credit report helps to ensure that the information contained in your report is accurate.
Helps you to maintain your good credit.

For more information please visit the Federal Trade Commission's website at www.ftc.gov