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Fair and Accurate Credit Transactions Act (The FACT Act)

All U.S. consumers are now eligible to receive one free copy of their credit report per year. This is just one feature of the FACT Act, legislation designed to bring consumers greater protection in the areas of identity theft, privacy, and credit report accuracy.

You are entitled to receive one free credit report every 12 months from each of the three major credit reporting agencies: Experian, TransUnion and Equifax. You may choose to order them all at once or separately. Please note that while the credit reporting agencies are required to provide a free credit report, they are not required to provide your credit score. The credit score can be purchased at the time you apply for your credit report.

Request your free annual report at www.annualcreditreport.com; by phone at 877.322.8228; or by mail at Annual Credit Report Request Service, PO Box 105281 Atlanta GA 30348-5281. Please use only the contact info above to obtain your free report, otherwise you may be charged by the credit bureaus if you contact them directly.