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FCRA question


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No. The law allowed the FTC to determine a roll-out schedule for the freebies in order to lessen the impact upon the CRAs. The reasoning was that if the whole country went live all at once, the CRA would not be able to meet their statutory requirements to respond within 30 days.

So you have to wait.

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I was not aware that the Fair and Accurate Credit Transactions Act superseded the state laws regarding getting a free annual credit report. Does anyone know for sure.

"The Fair and Accurate Credit Transaction Act of 2003, Pub. L. 108-159, 111 Stat. 1952., (FACTA) added new sections to the federal Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., (FCRA) intended primarily to help consumers fight the growing crime of identity theft. Accuracy, privacy, limits on information sharing, and new consumer rights to disclosure are included in FACTA. . . .

Generally, those FACTA provisions without a specific effective date will be effective December 1, 2004. . . .

Even now, you are entitled to a free copy of your credit report if you live in one of seven states. Those states are: Colorado, Georgia, Maine, Maryland, Massachusetts, New Jersey, and Vermont."





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Denial only works if the CRA can see a hard pull on your report within the last 30 days. If they don't see the pull, then they can decline the free report.

I think it might depend on which bureau. I use this trick with Trans Union all the time

You go to this link and type inn all the info. they ask for. Eventually it says you can't get a report over the Internet and to print out a PDF form and to mail it in. It costs just a stamp!


For the once a year report, stating that one is unemployed and plans to seek employment in 60 days works as well.

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