It's A Fact: A Completely No Cost Credit File Is Your Right By Law

Yes, you have a right to receive an absolutely free credit record from each of the three credit reporting organizations in the United States. Your right to receive an absolutely free credit profile is a federal public law, exactly, public law 108-159. When attempting to figure out how to get rid of credit card debt, this can be a valuable tool. The law that made a totally gratis credit file for consumers a right was passed by The 108th Congress on December 5, 2005. It was in particular aimed at people attempting to maintain good credit or going down the road of how to get rid of credit card debt. It is entitled the Fair and Accurate Credit Transaction Act (FACT) of 2005, and it's a Godsend for people for whom how to get rid of credit card debt is an incredibly real concern.

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The Act amended an earlier credit profile law called the Fair Credit Reporting Act. FACT changed the Fair Credit Reporting Act to include a provision for the absolutely free credit profile. In Title II of FACT, under section 211, which is called "Gratis consumer Reports", all credit history reporting organizations are required to give consumers their credit reports once during a 12 month period "upon the request of the customer without fee to the consumer". This law reversed the practice of credit history reporting organizations to charge consumers for their own credit record.

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FACT goes on in Title II to state that the customer may acquire the totally free credit file only if the buyer makes that request from a centralized source which a government commission would oversee in its expansion. At minimum, credit history reporting agencies are required to offer a toll no cost number consumers may call to make their appeal. It also states that credit reporting agencies have 15 days in which to offer the absolutely free credit profile to the customer after the buyer has made the request.

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FACT also states that customers may also request a reinvestigation of the particulars of their credit file after they get it and that credit reporting agencies must conclude that investigation within 45 days after a demand for reinvestigation. This assures that consumers may use the absolutely free credit profile after they get the results of the reinvestigation.

The three credit history reporting agencies in the U.S., Equifax, Experian, and Transunion, together formed a centralized source that customers can use to request their credit report as required by FACT.

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