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Check Your Credit Report Online 100% For Free Thanks To A Federal Law

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Did you know there was a Federal law passed called Fair and Accurate Credit Transactions Act (FACTA) on December 4, 2003 that allows you to receive your credit report once a year for free? Well there was and you can get it online instantly to view and/or print. While the law hasn't rolled out to all states yet (I have no idea why this is) it went into effect December 1, 2004 for Western States and March 1, 2005 for Midwest states.

For those in Southern states it goes into effect June 1, 2005 and for you poor saps in the Eastern states you'll have to wait until September 1, 2005.

You are allowed to get your credit report from all three of the major credit reporting agencies -- Experion, Equifax and Trans Union -- one time a year and you aren't required to get them all at the same time. You can get a report from one agency now and a report from another agency a few months from now.

To get your free credit report head over to AnnualCreditReport.com -- and tell them Digger sent you. Ok, I doubt they'll let you tell them I sent you, but I figured I'd try.

I've checked out Equifax so far and they allow you to create an account that lets you log back in and view you report at anytime for 30 days. The online interface for viewing your report is very intuitive and the print out is pretty damn sweet as well.

They also give you information on how to dispute things in your report instantly online. They give you the option to receive your FICO score also, but they charge about $7 for that and I didn't feel the need, so you'll have to try that out on your own.

For more information on FACTA see the press release on the FTC website entitled "FTC Issues Final Rule on Free Annual Credit Reports" from June 4, 2004.

If you run a website and would like to link to AnnualCreditReport.com make sure you read their FAQ question on the way to properly link to their website.

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Posted by Digger on March 18, 2005 12:23 AM (Permalink)

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Some people need to understand what free is and then give the option of purchasing a product

Posted by: Virgil on September 9, 2005 04:39 AM

Since when does free mean give me your credit card # If it's free doesnt that mean there is no cost Everybody wants a credit card for a free trial membership SO HOW IS IT FREE

Posted by: Virgil on September 9, 2005 04:45 AM

I went into your site to retreve my credit report and there was this thing that said you needed some personal history. credit card no. ect. I thaught this was free according to the law that was passed so why do I need to subscribe and pay $9.00 a month

Posted by: Robert D. Flowers on April 12, 2006 03:09 PM

It is free. I believe the $9.95 is an upsell to get your FICO scores etc. But to just get your report it is totally free.

Posted by: Digger on April 13, 2006 06:56 AM

This site is not FREE. I searched and searched for a free website and finally, i found one. Below is a free webite, to obtain your free credit report. The only negative thing is that it does not give you your credit score....Sometimes, someting is better than nothing.


Take Advantage and pass it on....

Posted by: Lisha on July 18, 2008 02:33 PM

This site isnt free, but if you read in the forth paragraph, then you will see a free website that is: annualcreditreport.com. Basically, the same info that i sent in the previous e-mail.

Posted by: Lisha on July 18, 2008 02:37 PM

I asked for "FREE" credit report how come I get a print out I have to mail in with some Money. So then It's not free???!!! whats the Deal???

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