In 2003, we passed a law that gives us an annual disclosure of our files at the consumer reporting agencies at no charge. In other words, now you can get a free credit report once every 12 months from each of the credit bureaus.
Western states: December 1, 2004
Midwest states: March 1, 2005
Southern states: June 1, 2005
Eastern states and all U.S. Territories: September 1, 2005
Otherwise, as of April 3, 2012, the maximum allowable charge for a consumer disclosure credit report is $11.50. (2011: $11.00; 2007: $10; 2006: $10; 2005: $9.50). To get your credit reports for a fee from Equifax, Experian or TransUnion, see below.
"For example, visitors to Google’s search engine who type in 'free credit report' get a list of links for Web sites that ultimately sell services from Experian and Trans Union. AnnualCreditReport.com, the only place to get a free credit report, doesn’t make the first page of search results."
"Rep. Frank also found the websites of the three biggest nationwide consumer reporting agencies-Equifax, Experian, and Trans Union-lacked the clearly identifiable links to the centralized free report website that Congress intended."
"My own investigation confinued these consumer group complaints and also found that the web pages of the three nationwide consumer reporting agencies lacked clearly identifiable links to the centralized free report web site that Congress intended to be created and the FTC requested in final implementing regulations. The Equifax, Experian and TransUnion web sites provide obscured references to free credit reports in the lower comers of their main web pages, below more prominent solicitations for credit scores, credit monitoring services and "3-Bureau" credit reports. Two of these web sites required consumers to go to a second page containing additional marketing before finding the link to the free report web site."
Number of hits when searching that .pdf document (with "Whole words only" checked):
credit report: 1 consumer file: 1 credit file: 2 file: 88 consumer report: 134
There is no term defined for the document meant by "Disclosures to consumers" mentioned in § 609 [15 U.S.C. § 1681g].
Equifax, 10/10/05: "Equifax Offers Individuals Impacted by Hurricanes Access to Their Credit Files at No Charge - Equifax also offers tips on how consumers should take proactive steps to protect their credit while they rebuild their lives"
(the grand announcement following the cry of "consumer orgainzations": "Credit Reporting Agencies Reject an Important Step to Help Hurricane Survivors: Many Katrina Victims Will Face Additional Economic Difficulties as Credit Scores Drop Due to Disaster"
Q: How can I get a copy of my credit report besides online?But here is their "Mail In Form," copyright 2005.
A: To purchase a copy of your credit report via telephone, call 1 800 311 4769. Please have your address, ZIP code and Social Security number on hand when you call. In addition, please review our fee information.
June 4, 2004: "FTC Issues Final Rule on Free Annual Credit Reports"
(gradual roll-out beginning in some states December 1, 2004)
If you prefer to have your personal credit report delivered by U.S. mail, you may call us or write to us to order your report. Read more about how to contact us to request your report by phone or by writing to us.They have the presence of mind to give the addresses of the other two national credit reporting agencies, but fail to instruct the consumer about what personal identifying information to include to obtain an Experian file.
To Order Your Personal Credit Report:
- You may order online via our Consumer Direct site ($8.50 [2002 update: $9.00, ed.] service fee for online speed and convenience)
- You may use our easy and convenient self-service line: 1-800-685-1111
- You may write us at:
Equifax Credit Information Services, Inc.
P.O. Box 740241
Atlanta, GA 30374
See if You Qualify for a Free File Disclosure (only via U.S. Mail)
- First and Last Name
- Social Security Number
- Date of Birth
- Current Address
- Previous Address (if you have moved within the past two years)
- The account number and expiration date from one of the following credit cards, for payment:
- American Express
- First, middle, and last name (including Jr., Sr., III)
- Current address
- Previous addresses in the past two years, if any
- Social Security number
- Date of birth
- Current employer
- Phone number
- Applicable fee
Subject: [Fwd: credit file]Subject: RE: [Fwd: credit file]
Date: Tue, 09 Oct 2001 08:46:05 -0400
From: Greg Fisher (email@example.com)
To: Jonathan Price (firstname.lastname@example.org)
CC: "Shannon Buggs, Houston Chronicle" (email@example.com), "Innovis, Data Team" (Datateam@innovis-cbc.com), "Innovis, Product Sales" (firstname.lastname@example.org)
On July 16th, Houston Chronicle reporter Shannon Buggs wrote, "So, you can't call up Innovis and order your credit file, says Eric Duhon, Innovis' chief information officer."
If your thing called "Failsafe" is a "national database of consumers with unfavorable current or past credit histories" (as stated on your web site), then you sure seem like a credit reporting agency to me. Was Buggs' statement accurate?
Innovis is a credit reporting agency and you can request a copy of your credit file.
You may write your request to:
PO Box 219297
Houston, TX 77218-9297