FREE CREDIT REPORTS VS

THE FAIR AND ACCURATE CREDIT TRANSACTIONS ACT GOES INTO EFFECT TODAY AND REQUIRES THE THREE NATIONAL AGENCIES THAT COMPILE CREDIT REPORTS - EQUIFAX, EXPERIAN AND TRANS UNION - TO PROVIDE CONSUMERS, UPON REQUEST, ONE FREE COPY OF THEIR INDIVIDUAL REPORTS ANNUALLY. EACH COMPANY MUST PROVIDE ONE FREE COPY TO EVERY CONSUMER WHO REQUESTS ONE. CONSUMERS CAN PLACE ORDERS ONLINE AT WWW.ANNUALCREDITREPORT.COM, BY PHONE AT 877-322-8228, OR BY MAIL. THE MANDATE WILL TAKE EFFECT IN PHASES, STARTING IN THE WEST AND MOVING EAST. UNDER THE FACT ACT, CONSUMERS MAY ORDER FREE REPORTS FROM THE THREE COMPANIES SEPARATELY OR AT THE SAME TIME.