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Free Annual Credit Reports
Lawyers.comsmUnder the Fair and Accurate Credit Transactions Act (FACTA), an amendment to the Fair Credit Reporting Act, all consumers are entitled to a free annual credit report, upon request, from each of the three major consumer reporting agencies (CRAs)--Equifax, Experian, and Trans Union. These three companies collect credit-related information on consumers and provide it to other authorized parties seeking credit references.
Obtaining Free Annual Credit Reports
Consumers may obtain a free annual credit report by contacting the three major CRAs:
Equifax
800-685-1111
www.equifax.comExperian
888-397-3742
www.experian.comTrans Union
800-916-8800
www.transunion.com
FACTA Requirements
In accordance with FACTA, the Federal Trade Commission issued a final rule regarding the free annual credit report requirement. The rule requires the CRAs to establish a "centralized source" for accepting consumer requests for free credit reports. The centralized source must include a dedicated Internet Web site, a toll-free telephone number, and a postal address. In addition, the centralized source:
- Must have adequate capacity to accept requests from the reasonably anticipated volume of consumers making requests
- May collect only as much personally identifiable information as is necessary to process requests
- Must provide clear and easily understandable information and instructions on how to make requests and
- May not include any advertising or marketing that interferes with, detracts from, or undermines the purpose of the centralized source
Related Resources on Lawyers.comsm
- Finding Legal Help for Consumer Issues- Consumer Fraud
- Consumer Law FAQ
- Consumer Law articles and information
- Find a Consumer Law Attorney near you
- Visit our General Consumer Rights message board for more help
Web Resources
- www.annualcreditreport.com (AnnualCreditReport.com is a centralized service for requesting credit reports and was created by the three nationwide consumer credit reporting companies - Equifax, Experian and TransUnion)
due process clause
a clause in a constitution prohibiting the government from depriving a person of life, liberty, or property without due process of law
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