Yes, you have a right to receive a totally gratis credit report from every one of the three credit reporting agencies in the United States. Your right to receive a totally free credit history is a federal public law, precisely, public law 108-159. When trying to suss out how to get rid of credit card debt, this can be an invaluable tool. The law which made a totally free credit profile for consumers a right was passed by The 108th Congress on December 5, 2005. It was specifically aimed at people trying 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's a Godsend for individuals for whom how to get rid of credit card debt is an extremely real concern.

The Act amended an earlier credit history law entitled the Fair Credit Reporting Act. FACT amended the Fair Credit Reporting Act to contain a provision for the totally no cost credit history. In Title II of FACT, under section 211, which is entitled "Free consumer Reports", all credit reporting agencies are required to give customers their credit histories once during a one year period "upon the request of the consumer without charge to the consumer". This law reversed the practice of credit reporting agencies to charge customers for their own credit report.

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

FACT also states that consumers may also ask for a reinvestigation of the specifics of their credit profile after they receive it and that credit reporting agencies must finish that investigation within 45 days after a request for reinvestigation. This assures that customers may use the totally no cost credit history after they receive the results of the reinvestigation.

The three credit reporting agencies in the U.S., Equifax, Experian, and Transunion, together formed a centralized source that consumers can use to ask for their credit file as required by FACT.

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