Compliance With Fair Credit Reporting Act

Between December 1, 2004 and September 1, 2005, consumers across the nation become eligible for free annual credit disclosures from each of the nationwide consumer reporting companies. As of this writing, that means that consumers in the Western and Midwestern states are eligible for such free credit reports. Additional details are available at http://www.ftc.gov/bcp/conline/pubs/credit/freereports.htm

Surely these companies are in technical compliance with this law, but the question of interest is whether they're only complying on a technical basis, or whether they're complying with the spirit of the law.

Here's the basis I propose to answer this question:

If you go to their main web site, and look for information on getting information about your credit, you should be made aware that a credit disclosure is available to you without charge before you are asked to provide payment information.

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