Free Credit Reports Available in Midwest

Consumers in three states served by the Federal Reserve Bank of St. Louis can now obtain their credit reports free of charge on an annual basis.

As of March 1, 2005, residents of Missouri, Illinois and Indiana can order the reports from each of the three major credit bureaus: Experian, Equifax and Trans Union. And residents of the remaining states served by the Bank—Arkansas, Mississippi, Kentucky and Tennessee—will be able to order their free reports beginning June 1, 2005.

The free reports are mandated by the Fair and Accurate Credit Transactions Act, which was enacted in December 2004. The government is phasing in the law over a nine-month period, beginning with Western states last December, Midwestern states last month, Southern states June 1 and Eastern states Sept. 1.

There are three ways consumers can order the reports:

Central Banker logo


Keep up with what’s new and noteworthy at the St. Louis Fed. Sign up now to have this free monthly e-newsletter emailed to you.

2015 Federal Reserve System
Community Development
Research Conference
Fed Communities logo is a portal to community development resources from all 12 Federal Reserve Banks and the Federal Reserve Board of Governors.