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Fair and Accurate Credit Transactions Act (FACT Act or FACTA) is a federal law. The purpose of this Act is to help consumers protect their credit identities and recover from identity theft. It gives consumers more ways to recover their credit reputations after they have been victims of identity theft and allows consumers to request one free copy of their credit reports from the major credit reporting agencies each year.

One of the key provisions of this Act is that consumers can request and obtain a free credit report once every 12 months from each of the three nationwide consumer credit reporting companies (Equifax, Experian, and TransUnion). AnnualCreditReport.com provides consumers with the secure means to request their free credit report.


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