Your Credit
Rights: Free Credit
Report
How To Get A Free Credit Report
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Soon you'll be able to get your credit report for free.
A recent amendment in the United States 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, from
www.annualcreditreport.com.
Your 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.
Consumers in Western states will first be able to order their credit reports under the federal law beginning December 1, 2004.
How do I order my free credit report?
You can order your free annual credit report online at www.annualcreditreport.com,
or by completing the Annual Credit Report Request Form and mailing it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.
When you order, you need to provide your name, address,
Social Security number, and date of birth. To verify your
identity, you may need to provide some information that
only you would know, like the amount of your monthly
mortgage payment.
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Free credit reports will be phased in during a nine-month period, rolling from the West Coast to the East beginning December 1, 2004.
Beginning September 1, 2005, free reports will be accessible to all Americans, regardless of where they live.
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.
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