In 2003, The Fair and Accurate Credit Transaction Act was passed, which allowed people to obtain the right to a free copy of their credit report. This law's success was a result of hundreds of thousands of messages sent to Congress by people demanding this right to their own credit history.
We can continue to affect change that will advance our economic freedom again by demanding our right to free credit scores.
Typically, you can't get your credit score for free, but it is crucial information that you have to know in order to keep your financial future in check. Knowledge of your credit score is YOUR right.
Tell your federal policymakers that access to your credit score is a small change that will significantly help countless Americans during these difficult times.
Dear
[Your Member of Congress]:
In this economy, it is more important than ever for me to take charge of my financial future. That's why I urge you to take whatever action is needed to make sure my credit score is included free-of-charge in my annual credit report. This small change will make a huge difference in the lives of countless Americans during these tough economic times.
[Your comments here]
Right now I can get a free copy of my credit report, thanks to the 2003 Fair and Accurate Credit Transactions Act, but if I want my credit score, I may wind up paying fees, handing over my credit card for sketchy "trial offers", and buying scores that some lenders may not even use.
Lenders, banks, and other companies can look at my credit score to make big decisions about me. A higher score can determine whether I'm approved for a loan, and what kind of interest rates I pay.
A credit score is a critical tool for me to know when I'm making decisions about my finances. By making this score free-of-charge with my credit report, I can make the right choices to improve my score, and build a better financial future for myself and my family.
Please take whatever action is necessary to include free credit scores in my credit report, and to make sure that this is the same kind of credible score that lenders see. This is a simple, common-sense measure that will do so much to improve consumers' financial future. Thank you for your consideration.
Sincerely,
[Your name here]
