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Callers dial 1-800 (888 or 866)-FREE411 [373-3411] from any phone in the United States to use the toll-free service. Sponsors cover part of the service cost by playing advertising messages during the call. Callers always hear an ad at the beginning of the call, and then another after they have made their request.
When a customer decides to use toll-free service, they assign a Responsible Organization (RespOrg) to own and maintain that number. The RespOrg can be either the IXC that is going to deliver the majority of the toll-free services or an independent RespOrg. [6] When a toll-free number is dialed, each digit is analyzed and processed by the LEC.
Central Source then set up a toll free telephone number, a mailing address and a central website, AnnualCreditReport.com, to process consumer requests. Access to the free report was initially rolled out in stages, based on the consumer's state of residence. By the end of 2005, all U.S. consumers could use these services to obtain a credit report.
For legal advice on credit reports and disputes, contact your local bar association or department of consumer affairs to get connected with an experienced attorney who specializes in credit repair.
AnnualCreditReport.com allows you to obtain a free credit report from each major consumer reporting company weekly. Claim your reports online, then review them carefully to see if the debt is listed.
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Now any company who advertises a “free credit report” on TV or radio must include the statement: "This is not the free credit report provided for by Federal law." [ 7 ] [ 8 ] [ 9 ] The law also calls for the Federal Trade Commission to issue new rules that will force free credit report advertisers to inform consumers that the only place for ...