from the FTC:
For Release: June 4 , 2004
FTC Issues Final Rule on Free Annual Credit Reports
The Federal Trade Commission has issued its final rule regarding free annual credit reports under the Fair and Accurate Credit Transactions Act (FACTA) and the Fair Credit Reporting Act (FCRA). FACTA, which was enacted on December 4, 2003, amends the FCRA and requires, among other things, that the three nationwide consumer reporting agencies (CRAs) – Equifax, Experian, and Trans Union – provide to consumers, upon request, a free copy of their credit report once every 12 months.
woohoo! good move by the FTC. so what does this mean to you? once a year, you are entitled to a *free* credit report, so you can find out what information has been gathered about you. eligibility for these free reports is based on the FTC’s rollout schedule:
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from the FTC:
For Release: June 4 , 2004
FTC Issues Final Rule on Free Annual Credit Reports
The Federal Trade Commission has issued its final rule regarding free annual credit reports under the Fair and Accurate Credit Transactions Act (FACTA) and the Fair Credit Reporting Act (FCRA). FACTA, which was enacted on December 4, 2003, amends the FCRA and requires, among other things, that the three nationwide consumer reporting agencies (CRAs) – Equifax, Experian, and Trans Union – provide to consumers, upon request, a free copy of their credit report once every 12 months.
woohoo! good move by the FTC. so what does this mean to you? once a year, you are entitled to a *free* credit report, so you can find out what information has been gathered about you. eligibility for these free reports is based on the FTC’s rollout schedule:
december 2004: Alaska, Arizona, California, Colorado, Hawaii, Idaho, Montana, Nevada, New Mexico, Oregon, Utah, Washington, and Wyoming
march 2005: Illinois, Indiana, Iowa, Kansas, Michigan, Minnesota, Missouri, Nebraska, North Dakota, Ohio, South Dakota, and Wisconsin
june 2005: Alabama, Arkansas, Florida, Georgia, Kentucky, Louisiana, Mississippi, Oklahoma, South Carolina, Tennessee, and Texas
september 2005: Connecticut, Delaware, District of Columbia, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, Vermont, Virginia, and West Virginia, Puerto Rico, and all U.S. territories.
currently, there are three ways to get these reports:
- online: www.annualcreditreport.com
- by phone: 1-877-322-8228
- by mail: download the request form at www.annualcreditreport.com and mail to:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281
please note: only www.annualcreditreport.com (and experian, transunion and equifax) has been authorized by law to provide these free annual credit reports. be leery of anyone else who states they can do so.
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very good point and thank you very much for posting it 
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It should be noted that not all Credit Reports are free. The FACTA only applies to the "big 3" bureaus. Other credit bureaus (like ChexSystems are not obligated to provide free annual reports.