Yes, you have a right to receive an absolutely gratis credit profile from every one of the three credit history reporting agencies in the United States. Your right to receive an absolutely no cost credit report is a federal public law, exactly, public law 108-159. When attempting 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 record for customers a right was passed by The 108th Congress on December 5, 2005. It was in particular aimed at people attempting 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 an awfully real concern.

The Act changed an earlier credit report law called the Fair Credit Reporting Act. FACT changed the Fair Credit Reporting Act to contain a provision for the totally gratis credit record. In Title II of FACT, under section 211, which is entitled "Gratis buyer Reports", all credit history reporting organizations are required to give customers their credit records once during a one year period "upon the demand of the consumer without fee to the buyer". This law reversed the practice of credit history reporting organizations to charge customers for their own credit profile.

FACT continues in Title II to say that the consumer may acquire the absolutely free credit history only if the buyer makes that demand from a centralized source that a government committee would supervise in its development. At minimum, credit history reporting organizations are required to offer a toll no cost number customers may call to make their request. It also states that credit history reporting organizations have 15 days in which to provide the absolutely no cost credit report to the buyer after the buyer has made the application.

FACT also states that consumers may also apply for a reinvestigation of the specifics of their credit profile after they get it and that credit history reporting agencies must finalize that investigation within 45 days after a demand for reinvestigation. This assures that customers may use the totally gratis credit record after they receive the results of the reinvestigation.

The three credit history reporting organizations in the U.S., Equifax, Experian, and Transunion, together formed a centralized source that customers can use to request their credit file as required by FACT.

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