GOVERNMENT LAW ALLOWS YOU TO GET YOUR FREE ANNUAL CREDIT REPORT FROM EQUIFAX, EXPERIAN, AND TRANSUNION!

Are you getting all your free credit reports?

Due to the passage of the 2003 Fair and Accurate Credit Transaction Act (FACTA), all Americans are entitled to one free credit report from each of the three major credit reporting agencies -- Equifax, Experian and TransUnion -- upon request every 12 months. There are several ways you can request your free credit report:

• Online: Visit AnnualCreditReport.com
       (This is the ONLY site that's truly free! Don't be fooled by ads saying otherwise.)
   
• Telephone: (877)-322-8228
   
• Mail:  Complete the Annual Credit Report Request form and mail it to the following address:

Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281