Free Credit Reports

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The Federal Trade Commission is allowing people to request a free credit report once a year from any of the three major credit bureaus. The program started Wednesday in more than a dozen western states. It begins in Michigan on March 1, 2005.

The program is designed to encourage people to check their credit reports to help control identity theft.

There are three ways you can get a free credit report:
Log on to
Call 1-877-FTC-HELP
Mail a standardized form to Box 105281, Atlanta, GA. 30348.

Checking your credit through this program will not affect your credit rating.