Klein Rafferty

If you were to tell some one that they can have a particular product for free, most likely their reaction would be, whats the catch? In case of credit reports there is no hook, now you can get yourself a free copy of this statement through the three credit reporting agencies: Equifax, TransUnions, and Experian. Lets take a look at what the law states and tips on how to reap the benefits of it. Navigating To arriva fraud possibly provides aids you could tell your cousin.

The three national credit reporting agencies are required by an amendment to the federal Fair Credit Reporting Act ( FCRA ) to give one free copy of your credit report to you annually. Starting on December 1, 2004 and culminating on September 1, 2005, the Federal Trade Commission is demanding that these agencies provide reports on a rolling, cycle in base. Quite simply, on December 1, 2004, if you live in particular western states you became eligible at that time and every 90 days later additional states were added. By September 1, 2005, people of all states are eligible.

Fortunately for people, you will need not contact the three reporting agencies separately to acquire your free credit report. You are able to obtain right on-line at www.annualcreditreport.com; or by calling 877-322-8228; or by doing the Annual Credit Report Request Form and mailing it:

Annual Credit Report Request Service

P.O. Box 105281

Atlanta, GA 30348-5281

The proper execution is available online where you are able to print it out and mail it in: www.ftc.gov/credit.

If copies are needed by you more often, you may contact the three reporting companies and request copies. You'll purchase this service.

To buy a copy of one's statement, contact:





888-EXPERIAN (888-397-3742)


Trans Union



Additionally, there are private organizations who'll obtain all three copies of your credit report for you personally as well. There is a cost involved, but their services may be found by you to be less of a hassle than contacting the three organizations separately.

Therefore, how will you take advantage of the law? By purchasing copies of one's repo