Free Credit Reports -

Where credit reports can be acquired.
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Free Credit Reports -

Postby Administrator » Thu Sep 29, 2005 6:13 pm

Free Credit Report Copies:

When can I order my free credit report?

Recognizing the benefit of self-monitoring, Congress adopted a new rule as part of FACTA, that allows you a free copy of your credit report annually from each of the “big three.” Congress left it to the Federal Trade Commission (FTC), through regulations, to set up the procedure for obtaining your free reports.

The rules on free credit reports are among the first regulations adopted by the FTC. The procedure established by the FTC calls for a phase-in, starting with the Western states, in December 2004. If you live on the East Coast, your right to a free credit report will not take effect until September 2005. Here is the phase-in schedule:

** December 1, 2004: Alaska, Arizona, California, Colorado, Hawaii, Idaho, Montana,
Nevada, New Mexico, Oregon, Utah, Washington, and Wyoming.

** March 1, 2005: Illinois, Indiana, Iowa, Kansas, Michigan, Minnesota,
Missouri, Nebraska, North Dakota, Ohio, South Dakota,
and Wisconsin.

** June 1, 2005: Alabama, Arkansas, Florida, Georgia, Kentucky,
Louisiana, Mississippi, Oklahoma, South Carolina,
Tennessee, and Texas.

** September 1, 2005: Connecticut, Delaware, District of Columbia, Maine,
Maryland, Massachusetts, New Hampshire, New Jersey,
New York, North Carolina, Pennsylvania, Rhode Island,
Vermont, Virginia, and West Virginia, Puerto Rico,
and all U.S. territories.

To order your free reports when they become available in your state, go to where you can order your reports directly or download the Annual Credit Report Request form to mail in your request. You can also call 877-322-8228. For more information, see the Federal Trade Commission's Facts for Consumers at

You are entitled to a free copy of your credit report if you live in one of seven states. Those states are: Colorado, Georgia, Maine, Maryland, Massachusetts, New Jersey, and Vermont. Exceptions from free credit report frequency preemption. Identified laws of Colorado, Georgia, Maine, Maryland, Massachusetts, New Jersey, and Vermont remain effective. §625(b)(4)(A)-(G), added by Pub. L. No. 108-159, §212 (2003).

You should avoid signing or mouse-clicking to agree to any arbitration clause, venue selection clause or other waiver of your rights.

You should print copies of each page on the web site as you input information to advance to the next screen. Be sure to print before you advance to the next page so you have a complete hard copy record of the contents of your inquiry and the resulting credit report disclosure you are provided online.

If you find errors, be sure and dispute them online and, once again, you should print copies of each page on the web site dispute valet pages as you input information to advance to the next screen and lodge disputes. Keep a complete record of what you see and do. More importantly, be sure and follow up your online disputes with letter disputes to each of the national credit reporting agencies. Keep copies and try to use certified mail, return receipt requested, when possible,

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