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Free Credit Report Effective June 1, 2005, Federal law now allows residents of Tennessee and 10 other Southern states to get a copy of your credit report for free. The Fair and Accurate Credit Transactions Act of 2003 granted consumers the right to request one free credit report from each of the three national credit-reporting firms every 12 months. Access to the free reports were first offered to residents in 13 Western states in December, 2004 and rolled out to a dozen more states in the Midwest on March 1, 2005. Effective June 1, 2005, 10 Southern states were added, and they will be followed by a rollout to states in the Northeast and U.S. territories on Sept. 1, 2005. While the credit report itself is free, the law doesn't grant consumers free access to their credit score, an important numerical measurement used by lenders and others to assess a consumer's creditworthiness. That costs a fee of $5 to $10, depending on the reporting agency that's used. You can get your report on-line by clicking on this link: http://www.annualcreditreport.com or copy and paste this link into you internet browser: https://www.annualcreditreport.com/cra/index.jsp You'll be asked to provide some information so the credit bureaus can protect your identity. You should check you credit three time a year by checking one bureau every four months. Free credit reports also can be ordered by phone or mail.
Continue by clicking on: Eliminate the Negatives. The information on this page and in this website is derived from sources that we believe are reliable. This information is not guaranteed. We are not offering legal or accounting advice and suggest that you contact a lawyer and an accountant before taking any action.
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