Andy Zain offers the following royalty-free article for you to publish online or in print. Feel free to use this article in your newsletter, website, ezine, blog, or forum. ----------- PUBLICATION GUIDELINES - You have permission to publish this article for free providing the "About the Author" box is included in its entirety. - Do not post/reprint this article in any site or publication that contains hate, violence, porn, warez, or supports illegal activity. - Do not use this article in violation of the US CAN-SPAM Act. If sent by email, this article must be delivered to opt-in subscribers only. - If you publish this article in a format that supports linking, please ensure that all URLs and email addresses are active links. - Please send a copy of the publication, or an email indicating the URL to [email protected] - Article Marketer (www.ArticleMarketer.com) has distributed this article on behalf of the author. Article Marketer does not own this article, please respect the author's copyright and publication guidelines. If you do not agree to these terms, please do not use this article. ----------- Article Title: So How Do I Get My Free Copy Of Credit Report Each Year? Author: Andy Zain Category: Word Count: 426 Keywords: copy,credit,report,reports Author's Email Address: [email protected] Article Source: http://www.articlemarketer.com ------------------ ARTICLE START ------------------
One of the benefits of being an American citizen is that each year we get a little gift in the form of a free copy of credit report. Instead of having to plunk down the five to ten bucks it used to cost per copy, we can get one free annually. We can thank the government for passing the 2003 Fair and Accurate Credit Transactions Act and giving us our little bonus. The three prominent national credit reporting agencies are the most affected by the law passed in 2003. Now Experian, TransUnion, and Equifax must fulfill each person's request for their annual free credit report. The other requirement is that they maintain a single, central source. This source has a mailing address, a toll-free number and a website for consumers. The one small catch in all of this is that you have to actually request your report. The law does not require that the companies send out free reports to all people, just those who request them. You are able to choose from the three options below to place your request. First, you can place your request using snail mail. There is a brochure describing the free report in detail. On the back of it is a form that you can fill out and mail in. Do not forget the telephone. That source also provides a phone number. It is available to you for your convenience, too. Do not forget that you can always visit the Web site and order your report online. Since there is only the single offcial site, be sure that you do not stumble across one that tries to charge you for your report. Some very creative and money hungry people have set up sites with similar names and try to get you to pay for your report. Do not fall for it. In total, you are allowed three reports. Remember that each agency must provide you with one. When placing your request, you may choose to do one at a time or all of them at once. Just be sure to use that central source as it is the only way to make absolute certain that you get the credit report free. While the federal act providing for the annual free credit report is well-known, there are a few other ways you may get a free report. Here are a few of them: you live in a state that requires free annual reports from each credit agency; application for unemployment or to get public assistance; or denial of a loan, job or insurance policy due to your credit. For more tips and information on credit reports visit http://www.creditreportyes.com ------------------ ARTICLE END ------------------ [Non-text portions of this message have been removed]
