Attorney Office - Know Your Rights

Gary W. Tennyson
Attorney At Law
(850) 873-8997

Getting Your Credit Report

Free Annual Credit Reports

An amendment to the federal Fair Credit Reporting Act requires each of the major nationwide consumer reporting companies to provide you with a free copy of your credit report, at your request, once every 12 months.

Free reports have been phased in during a nine-month period, starting with states in the West and ending with states in the East. Beginning September 1, 2005, free reports will be accessible to all Americans, regardless of where they live.

To order your free annual report from one or all the national consumer reporting companies, visit:; call toll-free: 1-877-322-8228; or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. You can print the form from Do not contact the three nationwide consumer reporting companies individually; they provide free annual credit reports only through, 1-877-322-8228, and Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

Other Rights To Free Reports

Under federal law, you’re also entitled to a free report if a company takes adverse action against you, such as denying your application for credit, insurance or employment, and you request your report within 60 days of receiving notice of the action. The notice will give you the name, address, and phone number of the consumer reporting company that supplied the information about you. You’re also entitled to one free report a year if you’re unemployed and plan to look for a job within 60 days; if you’re on welfare; or if your report is inaccurate because of fraud. Otherwise, a consumer reporting company may charge you up to $10.50 for additional copies of your report.

Under state law, consumers in Colorado, Georgia, Maine, Maryland, Massachusetts, New Jersey, and Vermont already have free access to their credit reports.

If you ask, only the last four digits of your Social Security number will appear on your credit reports.

Managing Your Personal Information

How can a responsible consumer minimize the risk of identity theft, as well as the potential for damage? When a situation involves your personal information, exercise caution and prudence.


Call me for a free consultation and discover your rights and obligations; fast & affordable. 


Areas of Practice

  • Business Law
  • Real Estate & Land Use
  • Probate & Estate Planning
  • Fair Debt / Debt Defense
  • Bankruptcy
  • Legal Documents
  • Notary Service






♦ TransUnion: 1-800-916-8800;

♦ Equifax: 1-800-685-1111;

♦ Experian: 1-888-EXPERIAN (1-888-397-3742);