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Free Credit Reports

Quote below is from free credit report law

Consumers in Western states will first be able to order their credit reports under the federal law beginning December 1, 2004. Consumers in other states will be able to order their copies according to a regional roll-out detailed below.

In recent months, consumers have asked the FTC for more details about their rights under the federal FCRA and the Fair and Accurate Credit Transactions (FACT) Act, which established the free credit report program. They?ve also asked about credit reports in general. Here are the most frequently asked questions and the answers.

Q: How do I know when I?m eligible to get a free report?

A: Free reports will be phased in during a nine-month period, rolling from the West Coast to the East beginning December 1, 2004. Beginning September 1, 2005, free reports will be accessible to all Americans, regardless of where they live.

Consumers in the Western states ? Alaska, Arizona, California, Colorado, Hawaii, Idaho, Montana, Nevada, New Mexico, Oregon, Utah, Washington, and Wyoming ? can order their free reports beginning December 1, 2004.

Consumers in the Midwestern states ? Illinois, Indiana, Iowa, Kansas, Michigan, Minnesota, Missouri, Nebraska, North Dakota, Ohio, South Dakota, and Wisconsin ? can order their free reports beginning March 1, 2005.

Consumers in the Southern states ? Alabama, Arkansas, Florida, Georgia, Kentucky, Louisiana, Mississippi, Oklahoma, South Carolina, Tennessee, and Texas ? can order their free reports beginning June 1, 2005.

Consumers in the Eastern states ? Connecticut, Delaware, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, Vermont, Virginia, and West Virginia ? the District of Columbia, Puerto Rico, and all U.S. territories can order their free reports beginning September 1, 2005.
 
Originally posted by: richardb
Quote below is from free credit report law

Consumers in Western states will first be able to order their credit reports under the federal law beginning December 1, 2004. Consumers in other states will be able to order their copies according to a regional roll-out detailed below.

In recent months, consumers have asked the FTC for more details about their rights under the federal FCRA and the Fair and Accurate Credit Transactions (FACT) Act, which established the free credit report program. They?ve also asked about credit reports in general. Here are the most frequently asked questions and the answers.

Q: How do I know when I?m eligible to get a free report?

A: Free reports will be phased in during a nine-month period, rolling from the West Coast to the East beginning December 1, 2004. Beginning September 1, 2005, free reports will be accessible to all Americans, regardless of where they live.

Consumers in the Western states ? Alaska, Arizona, California, Colorado, Hawaii, Idaho, Montana, Nevada, New Mexico, Oregon, Utah, Washington, and Wyoming ? can order their free reports beginning December 1, 2004.

Consumers in the Midwestern states ? Illinois, Indiana, Iowa, Kansas, Michigan, Minnesota, Missouri, Nebraska, North Dakota, Ohio, South Dakota, and Wisconsin ? can order their free reports beginning March 1, 2005.

Consumers in the Southern states ? Alabama, Arkansas, Florida, Georgia, Kentucky, Louisiana, Mississippi, Oklahoma, South Carolina, Tennessee, and Texas ? can order their free reports beginning June 1, 2005.

Consumers in the Eastern states ? Connecticut, Delaware, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, Vermont, Virginia, and West Virginia ? the District of Columbia, Puerto Rico, and all U.S. territories can order their free reports beginning September 1, 2005.
Click to expand...

why does the east coast have to wait that long?

 
Originally posted by: toant103
why does the east coast have to wait that long?
Click to expand...

In some eastern states you don't, since there are already laws on the books (e.g. Massachusetts).

What state are you interested in? Many states have there own consumer affairs division......

-LS

 
KY June 1 Ack!

I need one now I have a false creditor trying to bully me for $426 which I do not have or worse yet owe.
 
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