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Credits: 653


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Sub: #1 free reports geographically from 1st September of 2005
Replied on 07-10-2005, 11:25 AM
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Report from http://www.ftc.gov

The three major consumer reporting companies are :-
  • Equifax
  • Experian
  • TransUnion

As per the reports from http://www.ftc.gov They are phasing in free reports geographically through September 1, 2005. After which the free reports will be accessible to all Americans.

But Free reports were available to some states before hand as well,

Since 1st December 2004(Western states)
  1. Alaska
  2. Arizona
  3. California
  4. Colorado
  5. Hawaii
  6. Idaho
  7. Montana
  8. Nevada
  9. New Mexico
  10. Oregon
  11. Utah
  12. Washington
  13. Wyoming


Since 1st March 2005 (Midwestern states)
  1. Illinois
  2. Indiana
  3. Iowa
  4. Kansas
  5. Michigan
  6. Minnesota
  7. Missouri
  8. Nebraska
  9. North Dakota
  10. Ohio
  11. South Dakota
  12. Wisconsin


Since 1st June 2005 (Southern states)
  1. Alabama
  2. Arkansas
  3. Florida
  4. Georgia
  5. Kentucky
  6. Louisiana
  7. Mississippi
  8. Oklahoma
  9. South Carolina
  10. Tennessee
  11. Texas

From September 2005 (Eastern states
  1. Connecticut
  2. Delaware
  3. Maine
  4. Maryland
  5. Massachusetts
  6. New Hampshire
  7. New Jersey
  8. New York
  9. North Carolina
  10. Pennsylvania
  11. Rhode Island
  12. Vermont
  13. Virginia
  14. and West Virginia, the District of Columbia
  15. Puerto Rico
  16. all U.S. territories


The above mention companies are using
  • one website http://www.annualcreditreport.com
  • one toll-free telephone number 1-877-322-8228
  • one mailing address (complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. )

You can get the complete form (click here)

Here I sign off for the day, people keep watch over credit report to maintain a good financial health.

Tintin

Posts: 4,013
Credits: 54,752


Send message to roxette
Sub: #2
Replied on 07-11-2005, 12:19 PM
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Hi Tintin,

Welcome to the forums. Hearing from you after a long time. Hope that you must be having a wonderful time.

Yes, credit reports are offered free of cost in many parts of America. Credit reports help in understanding the latest financial position of an individual and based on this track record, a person acquires new credit.

It is very important to keep the credit report clean as it is one of the most important financial documents of an individual and based on this report, his credit worthiness is analyzed.

Hope that you will further keep on posting helpful information in the forums for community welfare.

Keep in touch.
Regards
Roxette




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