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Getting free credit reports will require some effort.

The Milwaukee Journal Sentinel (Milwaukee, WI)

| February 27, 2005 | This material is published under license from the publisher through the Gale Group, Farmington Hills, Michigan.  All inquiries regarding rights should be directed to the Gale Group. (Hide copyright information)Copyright

Byline: Eileen Mozinski

Feb. 27--Starting Tuesday, consumers in Wisconsin and 10 other Midwestern states can get their credit reports for free -- but the process is bound to generate some headaches: It's tough to find the correct Web site, and you have to pay to learn your actual credit score.

Federal legislation giving consumers the right to a free credit report took effect in December, with a nationwide roll-out that began with Western states. The law requires the three national credit-tracking companies -- Experian, TransUnion, and Equifax -to provide consumers with free credit reports once a year.

Consumer advocates say that the importance of consumers monitoring their credit histories has never been greater. That was underscored last week with revelations that a security breach at ChoicePoint Inc. might have revealed to identity thieves the personal data of some 145,000 people nationwide and 830 in Wisconsin.

"The government wanted to provide consumers with tools to guard against identity theft,"…

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