3 Free Credit Reports For You

If you were to tell someone that they can have a certain item for free, more than likely their response would be, "what's the catch?" In the case of credit reports there is no catch, you can now get a free copy of this report through the three credit reporting agencies: Equifax, TransUnions, and Experian. Let's take a look at the law and how you can benefit from it.

An amendment to the federal Fair Credit Reporting Act (FCRA) requires the three national credit reporting agencies to provide one free copy of your credit report to you annually. Beginning on December 1, 2004 and culminating on September 1, 2005, the Federal Trade Commission is requiring that these agencies offer reports on a rolling, phase in basis. In other words, on December 1, 2004, if you live in certain western states you became eligible at that time and every three months later additional states were added. By September 1, 2005, residents of all states are eligible.

Fortunately for consumers, you need not contact the three reporting agencies separately to obtain your free credit report. You can order right online at www.annualcreditreport.com; or by calling 877-322-8228; or by completing the Annual Credit Report Request Form and mailing it:

Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

The form is available online where you can print it out and mail it in: www.ftc.gov/credit.

If you need copies more often, you can contact the three reporting agencies and request copies. You will pay for this service.

To buy a copy of your report, contact:

Equifax
800-685-1111
www.equifax.com

Experian
888-EXPERIAN (888-397-3742)
www.experian.com

Trans Union
800-916-8800
www.transunion.com

There are also private companies who will obtain all three copies of your credit report for you as well. There is a fee involved, but you may find their services to be less of a hassle than contacting the three companies separately.

So, how can you benefit from the law? By ordering copies of your reports from the companies on a four month rotating basis. Most consumers will find this plan to be sufficient and it will allow for you to compare/contrast the reports of each agency. Of course, if you already suspect fraud you will want to order all three reports at once and notify each agency to place a "fraud alert" in your credit file.

All in all, the new law is a big win for consumers. Take advantage of this "windfall" as soon as you become eligible to do so.

Matthew Keegan -- The Article Writer -- writes on a variety of business, financial, and personal interest topics. You can view additional samples of his work at http://www.thearticlewriter.com

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Google News Updated : Wed, 09 Jul 2008 07:08:13 GMT Cheesesteaks, troops withdrawals and cigarettes that kill Iranians… - FOXNews Cheesesteaks, troops withdrawals and cigarettes that kill Iranians… FOXNews - 4 hours ago by Mosheh Oinounou PITTSBURGH, PA - Sen. McCain, joined by his wife Cindy, made a previously unannounced visit to the Primanti Brothers Restaurant and Bar, a famous Pittsburgh-area sandwich shop, Tuesday evening for a retail stop-turned media ... Caution: Can Iran cigarette jokes be dangerous to McCain's ... Los Angeles Times McCain jokes about killing Iranians with cigarettes Reuters The Associated Press - Washington Post - ABC News - Tribune Review all 156 news articles Publ.Date : Wed, 09 Jul 2008 02:11:13 GMT Iran test fires long and medium range missiles - Reuters Malaysia Star Iran test fires long and medium range missiles Reuters - 1 hour ago By Fredrik Dahl TEHRAN, July 9 (Reuters) - Iran has test fired nine long- and medium-range missiles, including one which it has previously said could reach Israel and US bases in the region, state media reported on Wednesday. Iran Test-Fires Missile Capable of Reaching Israel (Update1) Bloomberg Iran test-fires Shahab-3 long-range missile RIA Novosti BBC News - Monsters and Critics.com - International Herald Tribune - Jerusalem Post all 347 news articles Publ.Date : Wed, 09 Jul 2008 06:02:53 GMT Hunger for victory defines Obama - Financial Times BBC News Hunger for victory defines Obama Financial Times - 2 hours ago By Edward Luce in Washington When Democrats criticise John McCain, they first praise his honourable military record. When Republicans do the same to Barack Obama, many begin by conceding that he is an “attractive and talented candidate”. Video: AP Campaign Minute AssociatedPress McCain, Obama Trade Early Fire in TV Ads FOXNews ABC News - KVBC - The Associated Press - Newsweek all 2,342 news articles Publ.Date : Wed, 09 Jul 2008 04:54:07 GMT Cheney's staff censored EPA, ex-official alleges - Boston Globe Washington Post Cheney's staff censored EPA, ex-official alleges Boston Globe - 1 hour ago WASHINGTON - Members of Vice President Dick Cheney's staff censored congressional testimony by a top federal official on the health threats posed by global warming, a former official of the Environmental Protection Agency said yesterday. Cheney’s Office Said to Edit Draft Testimony on Warming New York Times White House in climate change "cover up" Reuters San Francisco Chronicle - USA Today - ABC News - Wall Street Journal all 564 news articles Publ.Date : Wed, 09 Jul 2008 05:36:02 GMT VMware Ousts CEO Diane Greene - BusinessWeek Boston Globe VMware Ousts CEO Diane Greene BusinessWeek - 1 hour ago by Aaron Ricadela VMware ended a long-running battle over its strategic direction on July 8, ousting co-founder and CEO Diane Greene and installing Microsoft veteran Paul Maritz in her place. EMC Replaces the Chief and Co-Founder of VMware, Silencing Talk of ... New York Times VMware CEO abruptly replaced SiliconValley.com Wall Street Journal - Forbes - MarketWatch - San Francisco Chronicle all 361 news articles Publ.Date : Wed, 09 Jul 2008 05:13:27 GMT Reiser deal ultimately hinges on judge's OK - San Francisco Chronicle Washington Post Reiser deal ultimately hinges on judge's OK San Francisco Chronicle - 44 minutes ago (07-08) 17:14 PDT OAKLAND -- The defense can ask for a deal in a murder case like Hans Reiser's, and the prosecution can sign off on it, but it's the judge who has the final say. Reiser takes plea deal for lesser sentence San Jose Mercury News My interview with murderer Hans Reiser Salon San Diego Union Tribune - SiliconValley.com - The Associated Press - CNET News all 654 news articles Publ.Date : Wed, 09 Jul 2008 06:23:31 GMT McCain, Obama court Latino group - Los Angeles Times Voice of America McCain, Obama court Latino group Los Angeles Times - 2 hours ago Sen. John McCain addresses the League of United Latino American Citizens in Washington, DC. today. McCain plans to tell the Latino advocacy group that the nation must secure its borders "while respecting the dignity and rights of citizens and legal ... Candidates talk up Latino connections Boston Globe Candidates woo Hispanic group USA Today New York Daily News - Houston Chronicle - San Francisco Chronicle - Milwaukee Journal Sentinel all 500 news articles Publ.Date : Wed, 09 Jul 2008 04:56:13 GMT Clickbank Data Feeds Make Money Online

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