Sunday May 22, 2022

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Fair and Accurate Credit Transactions Act (FACTA)
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The Fair and Accurate Credit Transactions Act , or FACTA, was passed by Congress in December to help consumers monitor their credit report and help in the early detection of identity theft. One of the main provisions this act requires is that the three major credit reporting credit bureaus (Experian, Equifax, TransUnion) provide consumers, upon request, one credit report per year.

How to Request Your Free Credit Report

To comply with the FACTA legislation, the three credit bureaus have jointly set up a website where the public can order their free credit reports:

The website is

You can also request your free credit reports by calling 1-877-322-8228 or by writing to:

Annual Request Service
P. O. Box 105281
Atlanta, GA 30348-5281
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