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The Fair and Accurate Credit Transactions Act or FACTA, was passed by Congress to help consumers monitor
their credit ratings and help to prevent identity theft. One of the main features of this law is to
require the three major credit reporting agencies or credit bureaus (Experian, Equifax, and Trans Union)
to provide every consumer with one free credit report per year.
Effective September 1, 2005, consumers living in Eastern states such (Connecticut, Delaware, District of
Columbia, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina,
Pennsylvania, Rhode Island, Vermont, Virginia, and West Virginia) and all U.S. territories and
possessions can request free credit reports. (After January 2006, there will be no regional restrictions and you request one free credit report each year as you wish.)
How to Request a Free Credit Report
To comply with the FACTA legislation, the three major credit bureaus have jointly set up a website so
that the public can order their free credit reports from all three agencies at once over the Internet.
The website www.annualcreditreport.com
Free credit reports may also be requested by calling 1-877-322-8228 or by writing to:
Annual Credit Request Service
P. O. Box 105281
Atlanta, GA 30348-5281
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