Fact Act


The FACT Act is an amendment to the Fair Credit Reporting Act, which regulates credit reporting agencies. This law will be an important tool for consumers in the fight against identity theft.

  • Consumers will be able to receive a free copy of their credit report from all three credit bureaus (Experian, TransUnion, Equifax) once a year.
  • Consumers may receive additional free reports if identity theft is suspected.
  • Identity theft victims will only have to make one call to receive advice, set off a nationwide fraud alert, and protect their credit rating.
  • Identity theft victims who file police reports will be able to block fraudulent information from appearing on their credit reports.
  • Identity theft victims will have access to business records that list identity thieves’ fraudulent transactions.
  • Credit reporting agencies must ensure that all credit requests are legitimate after a credit report has been flagged for suspected identity theft.
  • Active duty military personnel may place special alerts on their files when they are deployed overseas.

To get your free credit report contact:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta , GA 30348-5281
Phone: 877-322-8228