The FTC noted that under a federal law passed in December 2003, consumers have the right to get one free credit report every 12 months from each of the three national consumer reporting companies. Only one Web site, Annualcreditreport.com, is authorized by law to provide the free credit reports. Consumers can also get their free reports by phone or mail. The program began in western states in December 2004, and will cover all U.S. consumers by September 2005.
In addition, the FTC announced Tuesday it is sending warning letters to operators of more than 130 Web sites using URLs (uniform resource locators) that sound like or are spelled similarly to Annualcreditreport.com. These "imposter" sites were warned that they are operating illegally, Parnes said.
"The free to a free, no-frills-attached credit report is important, and we won't allow it to be highjacked," she added.
The FTC has created a Web page at Ftc.gov/freereports to answer customer questions about free credit report offers.
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