The nation’s three consumer credit reporting companies — Equifax, Experian and TransUnion — today jointly announced their centralized credit report request service: Annualcreditreport.com, to process requests for a free credit file disclosure, beginning on Dec. 1.
The three companies have always encouraged consumers to regularly review their credit reports. Annualcreditreport.com will offer consumers a convenient way to request their credit reports in a secure environment. The site is for exclusive use for consumers requesting their one free credit report every twelve months under the Fair and Accurate Credit Transactions Act (FACT Act).
As established by FACT Act regulations, annualcreditreport.com will become available to U.S. consumers in phases with the first phase commencing on December 1, 2004 for Western U.S. states (Alaska, Arizona, California, Colorado, Hawaii, Idaho, Montana, New Mexico, Nevada, Oregon, Utah, Washington, and Wyoming).
The remaining U.S. states will be deployed as follows: Mid-Western states – March 1, 2005; Southern states – June 1, 2005; and Eastern states and other U.S. territories completing the rollout on September 1, 2005. A complete map outlining the launch is available at the website.
Annualcreditreport.com, the only service authorized by Equifax, Experian and TransUnion, allows consumers to request, view and print one, two or all three of their free credit reports in a fast and convenient way via a secure Internet site. Consumers should not provide their personal information to any other company or person in connection with requesting free annual credit file disclosures under the FACT Act.
Additionally, the service offers consumers the option of requesting their credit reports by telephone or by mail. Forms to request credit reports by mail can be printed from the site. Telephone and mail requests will be processed within 15 days of receipt.
Internet URL: www.annualcreditreport.com
Toll Free Number: 877-322-8228
Mailing Address:
Annual Credit Report Request Service
P. O. Box 105281
Atlanta, GA 30348-5281
About Equifax
Equifax Inc. (NYSE: EFX) (www.equifax.com) is a global leader in turning information into intelligence. For businesses, Equifax provides faster and easier ways to find, approve and market to the right customers. For consumers, Equifax offers easier, instantaneous ways to buy products or services, and better insight into and management of their personal credit. Headquartered in Atlanta, Equifax reported annual revenue of over $1.2 billion in 2003, and employs over 4,500 employees in 12 countries in North America, Latin America and Europe. Equifax. Information That Empowers.
About Experian
Experian is a global leader in providing information solutions to organizations and consumers. It helps organizations find, develop and manage profitable customer relationships by providing information, decision-making solutions and processing services. It empowers consumers to understand, manage and protect their personal information and assets. Experian works with more than 40,000 clients across diverse industries, including financial services, telecommunications, health care, insurance, retail and catalog, automotive, manufacturing, leisure, utilities, property, e-commerce and government. Experian is a subsidiary of GUS plc and has headquarters in Nottingham, UK, and Costa Mesa, California. Its 13,000 people support clients in more than 60 countries. Annual sales exceed $2.3 billion.
About TransUnion
TransUnion is a leading global information solutions company that customers trust as a business intelligence partner and commerce facilitator. TransUnion offers a broad range of financial products and services that enable customers to manage risk and capitalize on market opportunities. The company uses leading-edge technology coupled with extensive analytical capabilities to combat fraud and facilitate credit transactions between businesses and consumers across multiple markets. Founded in 1968, Chicago-based TransUnion employs 4,100 associates that support clients in 29 countries. Visit us at www.transunion.com.
