| Free Credit Reports; Soon you'll be able
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| | December 1, 2004.
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| to get your credit report for free. Many
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| | Everyone in the Midwestern states
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| financial advisors suggest that you
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| | Illinois, Indiana, Iowa, Kansas,
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| periodically review your credit report
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| | Michigan, Minnesota, Missouri, Nebraska,
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| for inaccuracies or omissions. This could
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| | North Dakota, Ohio, South Dakota, and
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| be especially important if you're
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| | Wisconsin can order their free reports
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| considering making a major purchase, such
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| | beginning March 1, 2005.
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| as buying a home.
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| | Everyone in the Southern states Alabama,
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| Checking in advance on the accuracy of
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| | Arkansas, Florida, Georgia, Kentucky,
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| information in your credit file could
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| | Louisiana, Mississippi, Oklahoma, South
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| speed the credit-granting process, clean
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| | Carolina, Tennessee, and Texas can order
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| credit is a must. A recent amendment to
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| | their free reports beginning June 1,
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| the federal Fair Credit Reporting Act
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| | 2005.
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| (FCRA) requires each of the credit
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| | Consumers in the Eastern states
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| bureau`s to provide you with free credit
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| | Connecticut, Delaware, Maine, Maryland,
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| reports, at your request, once every 12
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| | Massachusetts, New Hampshire, New Jersey,
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| months.
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| | New York, North Carolina, Pennsylvania,
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| Free Credit Reports, contain information
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| | Rhode Island, Vermont, Virginia, and West
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| on where you live, how you pay your
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| | Virginia the District of Columbia, Puerto
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| bills, and whether you've been sued,
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| | Rico, and all U.S. territories can order
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| arrested, or filed for bankruptcy.
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| | their free credit report beginning
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| Nationwide credit bureau`s sell the
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| | September 1, 2005.
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| information in your credit report to
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| | Q: How do I order my free credit report
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| creditors, insurers, employers, and other
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| | from the 3 major credit bureau`s?
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| businesses that use it to evaluate your
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| | A: You may order your free credit reports
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| applications for credit, insurance,
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| | from each of the three nationwide credit
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| employment, or renting a home. There are
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| | bureau`s at the same time, or you can
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| three nationwide credit reporting
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| | order from only one or two. The law
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| companies Equifax, Experian, and Trans
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| | allows you to order one free copy from
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| Union.
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| | each of the nationwide credit reporting
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| Free Credit Reports Now!
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| | companies every 12 months.
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| Everyone in the Western states will first
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| | Q: What information do I have to provide
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| be able to order their free credit
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| | to get my free credit reports?
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| reports under the federal law beginning
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| | A: You need to provide your name,
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| December 1, 2004. Consumers in other
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| | address, Social Security number, and date
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| states will be able to order their copies
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| | of birth.
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| according to a regional roll-out detailed
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| | If you have moved in the last two years,
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| below.
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| | you may have to provide your previous
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| In recent months, consumers have asked
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| | address.
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| the FTC for more details about their
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| | To maintain the security of your file,
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| rights under the federal FCRA and the
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| | each nationwide credit bureau`s may ask
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| Fair and Accurate Credit Transactions
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| | you for some information that only you
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| (FACT) Act, which established the free
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| | would know, like the amount of your
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| credit reports program. They've also
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| | monthly mortgage payment.
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| asked about credit reports in general.
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| | Each company may ask you for different
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| Here are the most frequently asked
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| | information because the information each
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| questions and the answers.
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| | has in your file may come from different
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| Q: How do I know when I'm eligible to get
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| | sources. The nationwide credit reporting
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| a free credit report?
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| | companies will not send you an email
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| A: Soon free credit reports will be
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| | asking for your personal information. If
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| phased in during a nine- month period,
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| | you get an email or see a pop-up ad
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| rolling from the West Coast to the East
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| | claiming it's from any of the three
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| beginning December 1, 2004. Beginning
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| | nationwide consumer reporting companies,
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| September 1, 2005, free credit reports
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| | do not reply or click on any link in the
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| will be accessible to all Americans,
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| | message it's probably a scam.
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| regardless of where they live.
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| | Forward any email that claims to be from
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| Everyone in the Western states Alaska,
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| | any of three credit bureau`s to the FTC's
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| Arizona, California, Colorado, Hawaii,
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| | database of deceptive spam at . Any of
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| Idaho, Montana, Nevada, New Mexico,
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| | three credit bureau`s also will not call
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| Oregon, Utah, Washington, and Wyoming can
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| | you to ask for your personal information.
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| order their free credit reports beginning
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