Free credit report... No catch.

Prior to December 1, interested consumers had to pay approximately $30 for copies of their credit history. However, as a result of the landmark consumer protection law (the FACT Act), championed by Congresswoman Hooley, all Oregonians can request free annual credit reports from all three credit bureaus starting December 1, 2004. Visit www.AnnualCreditReport.com, a Web site that will give consumers free access to their annual credit reports from all three consumer credit reporting companies for the first time.