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How Credit Reporting Agencies Are Scamming the Free Credit Report Requirement

Free Credit Report

This year, pursuant to the Fair and Accurate Credit Transactions Act (FACTA) of 2003, credit reporting agencies must provide people with one free credit report per year.   This is gradually being phased in this year.  People can obtain their reports from this website: https://www.annualcreditreport.com/cra/index.jsp.

Earlier this year in his blog, law professor Eric Goldman discussed the difficulties and inconveniences he experienced when attempting to obtain his report.

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