Free credit reports are now available online, as required by the new Fair and Accurate Credit Transactions Act (FACT Act). The free credit report provision of the FACT Act was passed last year, and became effective in December.

The FACT Act requires the big three credit reporting agencies, EquiFax, Experian, and TransUnion, to make free credit reports available to all consumers once a year.

Although the free credit report provisions became effective in December, the credit reporting agencies had nine months to implement the service, rolling it out from west to east, so that people on the west coast were able to start obtaining their free credit reports first, then those in the midwest. Now, as of September first, the east coast is online too, and with this final third, everybody in the United States is now able to obtain a free credit…

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