Get Your Free Annual Credit Report

Today is the first day that people in the Midwest [including Ohio!] can take advantage of The Fair and Accurate Credit Transactions Act of 2003. You can now get a free credit report on yourself once a year. Just make sure you print it out right away, at least from Equifax. They only give you once chance to do it and the site doesn’t have the best usability.

[via MeFi 12.01.2004] Free Annual Credit Reports

The Fair and Accurate Credit Transactions Act of 2003 goes in to effect today. One of the major provisions of the bill, is that consumers now have the right to one free report from each of the three major credit bureaus every 12 months.

Consumers in 13 Western states (Alaska, Arizona, California, Colorado, Hawaii, Idaho, Montana, Nevada, New Mexico, Oregon, Utah, Washington, and Wyoming) may request a free annual credit report from Equifax, Experian, and TransUnion beginning today, December 1.

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.

Most importantly two things:
The Federal Trade Commission and the three bureaus have set up one website and one hotline to call: & 877-322-8228. is the only Web site from which consumers are legally entitled to receive a free annual credit report. If you go to Equifax’s, Experian’s, or TransUnion’s website, they can and will charge you.Your "credit score" in not included in this legislation, and if you want that you will have to pay the bureaus for it.

More information can be found here:
FTC Press Release: Free Credit Report Rollout Begins Wednesday
Facts for Consumers: Your Access to Free Credit Reports [PDF]

One thought on “Get Your Free Annual Credit Report

  1. sweet! you make the best damn cookies AND you provide me with fabulous information.

    thanks adam!

    (if you’ve got any leftover cookies AND you’ve got nothing better to do AND you’re in the mood for some music, my guitar and i will be at the barking spider tonight)

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