Free annual credit report

FREE ANNUAL CREDIT REPORT: MAJOR BREAK THROUGH FOR THE CONSUMER: ANNUAL CREDIT REPORT On December 1, 2004 the free annual credit reports is now in effect after Congress passed the Fair and Accurate Credit Transactions Act of 2003. That means the three major credit bureaus are required by law to issue free credit reports once a year. Consumers can request their reports online, by telephone or mail. The roll out started in only 13 Western states. Consumers in Midwestern states can order the free r..