It's A Truth: An Absolutely Gratis Credit Profile Is Your Legal Right
Yes, you have a right to receive a totally gratis credit history from every one of the three credit history reporting agencies in the United States. Your right to receive a totally no cost credit history is a federal public law, exactly, public law 108-159. When trying to suss out how to get rid of credit card debt, this can be an invaluable tool. The law which made an absolutely free credit report for consumers a right was passed by The 108th Congress on December 5, 2005. It was in particular aimed at people trying to maintain great credit or going down the road of how to get rid of credit card debt. It's called the Fair and Accurate Credit Transaction Act (FACT) of 2005, and it is a Godsend for individuals for whom how to get rid of credit card debt is a very real concern.
The Act amended an earlier credit history law called the Fair Credit Reporting Act. FACT amended the Fair Credit Reporting Act to contain a provision for the totally no cost credit file. In Title II of FACT, under section 211, which is entitled "Free buyer Reports", all credit history reporting agencies are required to give customers their credit records once during a one year period "upon the demand of the consumer without charge to the buyer". This law reversed the practice of credit history reporting agencies to charge customers for their own credit history.
FACT continues in Title II to assert that the consumer may get the totally no cost credit record only if the consumer makes that demand from a centralized source that a government committee would supervise in its development. At minimum, credit reporting agencies are required to offer a toll free number customers may call to make their appeal. It also states that credit history reporting organizations have 15 days in which to provide the totally no cost credit history to the buyer after the consumer has made the application.
FACT also states that consumers may also ask for a reinvestigation of the details of their credit report after they receive it and that credit reporting agencies must finalize that investigation within 45 days after a request for reinvestigation. This assures that customers may use the totally no cost credit file after they receive the results of the reinvestigation.
The three credit reporting agencies in the U.S., Equifax, Experian, and Transunion, together formed a centralized source that customers can use to ask for their credit file as required by FACT.
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