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The free credit reports, which used to cost as much as $9.50 each, come as a result of the passage of the 2003 Fair and Accurate Credit Transactions Act.Thanks to the law, the three major credit reporting agencies, Equifax, TransUnion and Experian, are each required to provide consumers, upon request, a free copy of their credit report once every 12 months from a centralized source. annual free credit report by law This centralized source includes a Web site, a toll-free telephone number and a postal address.The reports will not automatically be sent out. Consumers who want their credit reports must request credit report Knoxville initiate the request in one of the following three ways.1. Online:Go to www.annualcreditreport.com, which is the only authorized source for consumers to access their annual credit report online for free. official credit report free Be careful not to make a mistake in the URL -- some opportunistic entrepreneurs have staked out the URLs that are request credit report Knoxville close in spelling, and they'll try to sell you the reports, instead of giving them for free.2. This may be the choice for those who aren't Internet-savvy.3. By mail:You may complete the form on the back of the Annual Credit Report Request brochure, and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA, 30348-5281.You'll be able to order all three credit reports at request credit report Knoxville one time, or at different times throughout the year. free credit report from all 3 bureaus If you go directly to the credit reporting agencies, you will be charged unless you fit another criteria for a free report.The 2003 law did not eliminate the other ways to receive a free credit report.
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