Fair and Accurate Credit Transactions Act (FACT or FACTA) As an amendment to the Fair Credit Reporting Act, FACT allows consumers to request and obtain a free credit report once every twelve months from each of the three nationwide consumer credit reporting companies listed below. You may contact the reporting companies individually or go to a central website, www.annualcreditreport.com, to obtain free access to annual credit reports.
1. 
To order your report on-line:
http://annualcreditreport.transunion.com/tu/disclosure/disclosure.jsp?loc=10002
TransUnion will ask you to verify personal credit information to authenticate your identity.
2. EQUIFAX
To request a copy of your credit file from Equifax, please contact:
Equifax Information Services LLC
P.O. Box 740241 Atlanta , GA 30374
or call 800-685-1111
When requesting a credit report by mail, be sure to include your full name, current address, Social Security Number, and most recent former address for file-matching purposes.
For immediate access to your online Equifax Credit Report™, click here . ($10.50 service fee applies)
3. Experían
To request your free report delivered by U.S. mail, please call 1-866-200-6020.
https://www.experian.com/consumer/cac/InvalidateSession.do?code=CDIFREE
The Fair Credit Reporting Act (FCRA) Credit bureaus are required to furnish correct and complete information to businesses to use when evaluating your credit application.
- You have the right to receive a copy of your credit report. The copy of your report must contain all of the information in your file at the time of your request.
- You have the right to know the name of anyone who received your credit report in the last year for most purposes or in the last two years for employment purposes.
- Any company that denies your application must supply the name and address of the credit bureau they contacted, provided the denial was based on information given by the credit bureau.
- You have the right to a free copy of your credit report when your application is denied because of information supplied by the credit bureau. Your request must be made within 60 days of receiving your denial notice.
- If you contest the completeness or accuracy of information in your report, you should file a dispute with the credit bureau and with the company that furnished the information to the bureau. Both the credit bureau and the furnisher of information are legally obligated to investigate your dispute.
- You have a right to add a summary explanation to your credit report if your dispute is not resolved to your satisfaction.
The Equal Credit Opportunity Act (ECOA) Consumers are protected from credit discrimination on the basis of sex, race, marital status, religion, national origin, age, or receipt of public assistance. Creditors may ask for this information (except religion) in certain situations, but may not use it to discriminate when deciding whether to grant you credit. If you are denied credit, you have a legal right to know why.
The law applies to any entity who regularly participate in extending or granting credit, including banks, retail and department stores, credit card companies, credit unions and small loan and finance companies, including real estate brokers who arrange financing. Businesses applying for credit also are protected by this law.
The Fair Credit Billing Act (FCBA) and Electronic Fund Transfer Act (EFTA) This governs procedures for resolving mistakes on credit billing and electronic fund transfer account statements, including:
- Charges or electronic fund transfers that you – or anyone you have authorized to use your account – have not made.
- Charges or electronic fund transfers that are incorrectly identified or show the wrong amount or date.
- Computation or similar errors.
- Failure to reflect payments, credits, or electronic fund transfers properly.
- Not mailing or delivering credit billing statements to your current address, as long as that address was received by the creditor in writing at least 20 days before the billing period ended.
- Charges or electronic fund transfers for which you request an explanation or documentation, due to a possible error.
The FCBA generally applies only to "open end" credit accounts – credit cards, revolving charge accounts (such as department store accounts), and overdraft checking accounts. It does not apply to loans or credit sales that are paid according to a fixed schedule until the entire amount is paid back, such as an automobile loan. The EFTA applies to electronic fund transfers, such as those involving automatic teller machines (ATMs), point-of-sale debit transactions, and other electronic banking transactions.
The Fair Debt Collection Practices Act (FDCPA) This legislation applies to personal, family, and household debts. This includes money owed for the purchase of a car, for medical care, or for charge accounts. The FDCPA prohibits debt collectors from engaging in unfair, deceptive, or abusive practices while collecting these debts.
- Debt collectors may contact you only between 8 a.m. and 9 p.m.
- Debt collectors may not contact you at work if they know your employer disapproves.
- Debt collectors may not harass, oppress, or abuse you.
- Debt collectors may not lie when collecting debts, such as falsely implying that you have committed a crime.
- Debt collectors must identify themselves to you on the phone.
- Debt collectors must stop contacting you if you ask them to in writing.