Full article: http://www.forbes.com/finance/2004/12/01/cx_sr_1201credit.htmlNEW YORK - A new federal law is taking effect today to give U.S. consumers the right to receive one free copy of their credit report each year.
The Fair Credit Reporting Act requires that each of the three major credit reporting agencies in the United States provide consumers with a free copy of their report once every 12 months.
Website for free credit report: https://www.annualcreditreport.com
I know we've discussed where to get an online credit report before. Those of you who may have previously tried to obtain a "free" credit report online know that it's only "free" after you pay for it, or after you fork over your personal information, or after you agree to join a mailing list, club, or cult.
The law is being rolled out TODAY. It's being phased in, so everyone doesn't try to get their free report at once. Westerners have first dibs, and then three other US regions will be phased in before September 1st.