Check your credit (finally) for free

(from http://www.ftc.gov/opa/2004/11/freecredrpt.htm)
November 23, 2004

Credit Bureaus Announce How Consumers Can Access Free Credit Reports

The three nationwide consumer reporting companies – Equifax, Experian, and TransUnion – today announced the Web address, toll-free telephone number, and postal address consumers can use to request a free annual credit report. Beginning December 1, 2004, consumers in 13 Western states will be able to begin making requests by visiting www.annualcreditreport.com, calling 877-322-8228, or mailing a standardized form to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. The 13 eligible states are Alaska, Arizona, California, Colorado, Hawaii, Idaho, Montana, Nevada, New Mexico, Oregon, Utah, Washington, and Wyoming.

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(from http://www.ftc.gov/bcp/conline/pubs/credit/freereports.htm)
Consumers in the Western states — Alaska, Arizona, California, Colorado, Hawaii, Idaho, Montana, Nevada, New Mexico, Oregon, Utah, Washington, and Wyoming — can order their free reports beginning December 1, 2004.

Consumers in the Midwestern states — Illinois, Indiana, Iowa, Kansas, Michigan, Minnesota, Missouri, Nebraska, North Dakota, Ohio, South Dakota, and Wisconsin — can order their free reports beginning March 1, 2005.

Consumers in the Southern states — Alabama, Arkansas, Florida, Georgia, Kentucky, Louisiana, Mississippi, Oklahoma, South Carolina, Tennessee, and Texas — can order their free reports beginning June 1, 2005.

Consumers in the Eastern states — Connecticut, Delaware, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, Vermont, Virginia, and West Virginia — the District of Columbia, Puerto Rico, and all U.S. territories can order their free reports beginning September 1, 2005.