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The "FACT Act": Fair and Accurate Credit Transactions Act of 2003

The FACT Act requires each of the three nationwide consumer reporting agencies (Experian, Equifax and Trans Union) to provide consumers with a free copy of their credit report as often as once every twelve months. So that they can verify any fraudulent activity against their credit.  A consumer can request their credit reports in one of three ways - online, by phone or by mail

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