Under the 2003 Fair and Accurate Credit Transactions Act all Americans are entitled to free credit reports every year from the three major credit bureaus.
To get your free credit report you must request it from a centralized source. Contact them as follows.
• Online go to www.annualcreditreport.com to request your free credit report. Make sure that you only use this link with this precise spelling. Several Internet entrepreneurs have set up sites with similar spelling to catch those who do not type this name accurately. These other sites sell you the credit reports.
• By phone, call 877-322-8228.
• By mail at Annual Credit Report Request Service, P.O. Box
10528, Atlanta, GA 30348.