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 Consumers Can Get Free Credit Reports
By: Darin "Sid" Cameron, CRS
Mon, Jan 3rd, 2005 2:51 am

The most important thing to understand when you decide to buy a home is your credit report. Unfortunately, most people know very little about their credit rating or how the credit agencies work. However, it's about to become a lot easier to get access to your credit reports thanks to a new law that took effect last month.

Starting December 1, 2004, all U.S. residents will be permitted a single free credit report under the Fair and Accurate Credit Transactions Act. (Also known as the FACT Act). The measure phases in the one free report per year across the country, starting on Dec. 1 in 13 mostly Western states and spreading to the rest of the nation by Sept. 1, 2005.

Citizens also are entitled to one free report every 12 months—no matter where they reside—if they believe they are the victim of fraud or identity theft; are jobless and planning to apply for unemployment benefits; are receiving public welfare assistance; and/or have been denied credit, insurance, or employment due to problems with their credit record.

Source: Missouri Association of Realtors

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Darin "Sid" Cameron spent 15 years working in the technology industry which in 1998 relocated him to St. Louis. In 2004 he took over web development tasks for Kimberly's real estate team and later became the full-time Marketing and Operations Director in 2005. In 2011 Sid launched two brokerages, The Realty Store, Inc. and Realty Referral Partners, Inc, while continuing to perform marketing and operations for Kimberly's team. Sid holds a real estate broker's license in Missouri, CRS certification and was the first CyberStar in the St. Louis area.
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