Free Credit Report
I remember hearing about Congress mulling over legislation to help protect consumers, especially as it relates to identity theft. Later I heard that we could access our credit reports for free starting last year, but then I didn’t hear much about what came of it.
Apparantly that legislation was the Fair and Accurate Credit Transactions Act of 2003 [summary], or [full text], [Statement from the White House].
One of the major provisions of FACTA was to allow all consumers access to a free copy of their credit report every year from each of the major credit bureaus. The official website is www.annualcreditreport.com. Everyone should take a minute, go to that link, and access a copy of your credit report.
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April 11th, 2006 at 12:26 am
[...] Another good, national resource is the FTC. It’s always a good idea to check your credit report every year, and opt out of credit card offers, so they don’t continuously fill your mailbox. [...]