New Law Entitles You to a Free Credit Report

The Fair and Accurate Transactions (FACT) Act entitles all Americans over the age of 18 to receive one free credit report annually from all three credit reporting agencies.

The site below 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 also request your report by phone or mail. Monitoring and periodically reviewing your credit report is an effective tool in fighting identity theft.

Eligibility for an annual free credit report is determined by your state of residence based on the rollout schedule set by federal law. Western and Midwest states are now available. Southern states available June 2005 and Eastern and US Territories in September 2005.

Find out more here on requesting your report .

Get more information on the Fair and Accurate Transactions (FACT) Act .

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