FREE Annual Credit Reports and Specialty Reports

Here is the news many of you have been waiting for about how to access the free annual credit reports. To make it quick, easy and workable a special telephone number, web site and mail to address have been established by the Federal Trade Commission (FTC) for consumer use in requesting the free reports.

The individual credit reporting agencies WILL NOT HONOR a request for a free credit report if consumers contact them directly.

ALL REQUESTS for free credit reports MUST go through the special web site: , or the special telephone number: 1-877-322-8228 or the special mailing address: Annual Credit Report Request Service PO Box 105281, Atlanta, GA 30348-5281

Your Access to Free Annual Credit Reports and Free Specialty Reports

Soon you'll be able to get your credit report for free. A recent amendment to the federal Fair Credit Reporting Act (FCRA) a/k/a Fair and Accurate Credit Transaction Act (FACTA) 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. The FCRA/FACTA promotes the accuracy and privacy of information in the files of the nation's consumer reporting companies.

The Federal Trade Commission (FTC), the nation's consumer protection agency, enforces the FCRA/FACTA with respect to consumer reporting companies.

A credit report contains information on where you live, how you pay your bills, and whether you've been sued, arrested, or filed for bankruptcy. Nationwide consumer reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home. There are three nationwide consumer reporting companies Equifax, Experian, and Trans Union.