Yes, you have a right to receive an absolutely gratis credit report from every one of the three credit reporting organizations in the United States. Your right to receive an absolutely no cost credit profile is a federal public law, precisely, 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 a totally gratis credit file for customers a right was passed by The 108th Congress on December 5, 2005. It was specifically 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's a Godsend for people for whom how to get rid of credit card debt is an incredibly real concern.

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

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

FACT also states that consumers may also ask for a reinvestigation of the particulars of their credit record after they get it and that credit history reporting agencies must finish that investigation within 45 days after a demand for reinvestigation. This assures that customers may use the totally no cost credit report after they get 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 consumers can use to request their credit file as required by FACT.

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