In 2004, the Fair and Accurate Credit Transaction Act was passed enabling consumers to obtain a free credit report from each of the three national credit bureaus once a year. While there are many Web sites that claim to provide a "free" credit report, there is only one place that offers a truly free credit report with no strings attached: www.annualcreditreport.com. Be aware that this free credit report does not come with credit scores. If you wish to learn more about credit reporting and scoring, here is an excellent Web site for you to check out: www.credco.com/crediteducation. Also, if you have questions about your report or wish to dispute an item, here is the contact information for each of the three credit bureaus:
Equifax Information Service Center
PO Box 740241, Atlanta, GA 30374-0241
(800) 685-1111 / www.equifax.com
Experian Information Solutions, Inc.
PO Box 2002, Allen, TX 75013
(888) 397-3742 / www.experian.com
Trans Union Corporation
PO Box 34012, Fullerton, CA 92834
(800) 916-8800 / www.transunion.com
