Number: RL32008
Title: A Consumers Access to a Free Credit Report: A Legal and Economic Analysis
Authors: Loretta Nott, Government and Finance Division; and Angie A. Welborn, American Law Division 
Abstract: This report offers one approach to assessing the potential costs of requiring credit reporting agencies to provide an annual free credit report upon request. It is shown that the additional costs of such a policy proposal can vary significantly depending on three factors: (1) the number of consumers who decide to exercise their option; (2) the number of consumers who dispute information in their files; and (3) the processing and dispute costs for a credit reporting agency.
Pages: 13
Date: December 16, 2003