Howdy whuffo-ga,
This Federal Trade Commission (FTC) web page has the details on
getting your free credit report.
http://www.ftc.gov/bcp/conline/edcams/credit/ycr_free_reports.htm
"Soon you'll be able to get your credit report for free. A recent
amendment to the federal Fair Credit Reporting Act (FCRA) requires
each of the nationwide consumer reporting companies to provide you
with a free copy of your credit report, at your request, once every
12 months ..."
Here are the dates and the locations the above becomes effective,
from the same page.
"Consumers in the Western states ? Alaska, Arizona, California,
Colorado, Hawaii, Idaho, Montana, Nevada, New Mexico, Oregon, Utah,
Washington, and Wyoming ? can order their free reports beginning
December 1, 2004.
Consumers in the Midwestern states ? Illinois, Indiana, Iowa, Kansas,
Michigan, Minnesota, Missouri, Nebraska, North Dakota, Ohio, South
Dakota, and Wisconsin ? can order their free reports beginning March
1, 2005.
Consumers in the Southern states ? Alabama, Arkansas, Florida, Georgia,
Kentucky, Louisiana, Mississippi, Oklahoma, South Carolina, Tennessee,
and Texas ? can order their free reports beginning June 1, 2005.
Consumers in the Eastern states ? Connecticut, Delaware, Maine,
Maryland, Massachusetts, New Hampshire, New Jersey, New York, North
Carolina, Pennsylvania, Rhode Island, Vermont, Virginia, and West
Virginia ? the District of Columbia, Puerto Rico, and all U.S.
territories can order their free reports beginning September 1, 2005."
Here is the web site itself where you can get your free report.
https://www.annualcreditreport.com/
"This central site allows you to request a free credit file disclosure,
commonly called a credit report, once every 12 months from each of the
nationwide consumer credit reporting companies: Equifax, Experian and
TransUnion."
You can get your report over the phone or through the mail as well.
https://www.annualcreditreport.com/cra/order?phone
" ...
Request your Credit Report by Phone
Call 1-877-322-8228 to request your credit reports by phone. You will
go through a simple verification process over the phone. Your reports
will be mailed to you.
Request your Credit Report by Mail
You can request your credit report by mail by filling out the request
form and mailing it to:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281
..."
If you need any clarification, feel free to ask.
Search strategy:
Google search on: free credit report site:.gov
://www.google.com/search?q=free+credit+report+site%3A%2Egov
Looking Forward, denco-ga - Google Answers Researcher |
