American Consumers Are Now Entitled To Receive One Free Copy Of Their Credit Report Per Year From Each Of The Three Major Credit Reporting Agencies. Equifax, Experian, And Trans Union Are Now All Required By Law To Furnish To You A Copy Of Your Credit Report. This Is Good News For Consumers; Please Read On For Additional Helpful Information.As Of September 1, 2005, The Federal BFair Credit Reporting Act (FCRA)b Requires That The Three National Credit Reporting Agencies Provide Uone Free Copyu Of Your Credit Report To You Annually. You Do Not Need To Contact The Three Reporting Agencies Separately To Obtain Your Reports, Instead You Can Order Them Online At Www.annualcreditreport.com; Or By Calling 877-322-8228; Or By Completing The Annual Credit Report Request Form And Mailing It In.bThe Mailing Address Is:bAnnual Credit Report Request ServiceP.O. Box 105281Atlanta, GA 30348-5281bThe Online Form Is Available Here:b Www.ftc.govcredit.If You Need Copies More Often, You Can Contact The Three Reporting Agencies And Request Copies Directly From Them. UYou Will Be Chargedu For Any Reports Over And Beyond Your One Free Annual Report.bTo Purchase A Copy Of Your Report, Contact:Equifaxb800-685-1111www.equifax.combExperianb888-EXPERIAN (888-397-3742)www.experian.combTrans Unionb800-916-8800www.transunion.comWhat Is The Best Way For You To Benefit From The New Law? Thats Easy: Order Copies Of Your Reports From The Companies On A Four Month Rotating Basis. Most Consumers Will Find This Method To Be Adequate As It Will Allow For You To Compare Reports From Each Agency. Naturally, If You Already Suspect Fraud You Will Want To Order All Three Reports At Once And Notify Each Agency To Place A "fraud Alert" In Your Credit File.There Are Also Several Private Companies Who Will Get A Hold Of All Three Copies Of Your Credit Report For You As Well. UThere Are Fees Involvedu, But You May Find Their Services To Be Less Of A Hassle Than Contacting The Three Companies Separately.In Summation, The New Law Is A Bonus For Consumers. Published Reports Indicate That Many Credit Reports Contain Errors In Them; This Law Gives You The Opportunity To Correct "their" Mistakes By Setting The Record Straight And At No Cost To You.
