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Yes, some things really are free

Despite what you may have heard to the contrary, some things in life are in fact free. One of those things is your credit report. Thanks to the new Fair and Accurate Credit Transactions Act (FACT Act), everyone is entitled to a free credit report once every 12 months from each of the 3 nationwide consumer credit reporting companies. I heard about this late last year, but since they are doing it by region (four different regions of the U.S. spread out over 3 month periods), living in the Midwest, I’ve had to wait. You can access this convenient service by going to For those of you in the “western states”, better hurry up because your time runs out March 1st, when those of us here in the Midwest get our crack. I know, this is sensitive information and you’re probably worried it’s just another scam, but I heard about it on the national news a number of times late last year, but go do your own research to ease your mind.


3 responses to “Yes, some things really are free

  1. Anonymous February 25, 2005 at 1:08 pm

    Cool… So we get our free shot in March…Thanks dotLantz… your blog has served some usefule purpose.. I will click on some adds for you when I get home…-Andy

  2. frank February 25, 2005 at 4:32 pm

    doesn’t getting a credit report actually take a small hit on your rating? i thought i had read that somewhere.

  3. Brad February 26, 2005 at 3:26 am

    I’ve never heard that before. I wouldn’t think it would, and there are always people looking up your credit report like when you get a new credit card, get a loan, buy car insurance, or get a new job. When I started my last job, they provided me with a copy of my credit report since they request a copy when you are hired. And the same when I got an insurance quote through

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