Pittsburgh Federal Credit Union
317 Brownsville Road
Pittsburgh, PA 15210
Phone: (412) 381-6363
Fax: (412) 381-6440
FREE ANNUAL CREDIT REPORT
Effective 09/01/05, Pennsylvanians and residents of 13 eastern states, Puerto Rico, and all U.S. territories, can now obtain a free copy of their credit report from one of the three credit reporting agencies under the new federal Fair and Accurate Credit Transaction Act (FACT Act). Congress passed FACTA in December 2003 and the regional rollout began on the west coast last December, and the nationwide implementation is now complete.
The new law permits consumers to receive one free credit report per year from each agency; Equifax, TransUnion, and Experian. It is also strongly recommended that consumers stager their requests throughout the year. The goal is to prevent such theft, resolve consumer credit disputes, and improve the accuracy of consumer credit reports. Consumers are urged to be wary of companies with similar sounding names that may require a purchase in exchange for the free credit report or ones that make offers to repair damaged credit. If consumers are not certain a credit-reporting agency is legitimate, or they believe they are a victim of identity theft, they should contact the FTC at www.ftc.gov.
Free credit reports may be requested online at www.annualcreditreport.com or call toll free, 877-322-8228. Consumers may also send a request by mail to: Annual Credit Report Request Service, P.O. BOX 105281, Atlanta, GA 30348-5281.
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