FACT Act Update
The Fair and Accurate Credit Transaction (FACT) Act, passed by Congress in 2003, now offers free access to credit reports. You can request one free credit report every 12 month-period from each of the three national reporting agencies, Experian, Equifax and TransUnion. You must use either the new toll-free telephone number (877) 322-8228, the annualcreditreport.com website or a special mailing address - Annual Credit Report Request Service, P.O. Box 105281, Atlanta Georgia 30348-5281.