From my newsletter –

THE FAIR and Accurate Credit Transactions Act is finally in effect for those in Virginia. Starting on 1 September, you can now check your credit for free. This is one of the best things you can do to ensure that 1) your identity remains yours and 2) when you go to purchase a new home, you will not be surprised by an inaccurate credit report.

There is only one official Web site for requesting free reports- http://annualcreditreport.com -or you can call 877-322-8228. (Don’t contact the individual credit agencies) or you may go through the FTC’s Web site, which has a link to the correct Web site.

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