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Washington, D.C. – As the holiday season moves into full swing creditors have been making their list of who has been naughty and who has been nice and thanks to a new law enacted with the help of Senator Mike Enzi, R-Wyo., Wyoming residents can see in which column they fit.

"Wyoming residents no longer have to be in the dark about the important information contained in their credit reports," said Enzi. "Credit reports contain information that affects whether or not you can get a loan and how much you will have to pay for that loan. This invaluable information can now be accessed for free."

Wyoming residents will be among the first in the nation to be able to access free credit reports every 12 months from each of the three nationwide consumer reporting companies. This was made possible by the passage of the Fair and Accurate Credit Transactions Act of 2003, which was signed into law last year by the President.

Enzi, a member of the Senate Banking Committee, worked to get the law passed and helped to add provisions regarding financial literacy and identity theft into the law.

"The more people understand their credit histories the better they will be at managing their finances. Seeing their credit reports is one of the first steps towards financial literacy. It will also give people an edge on keeping their private records out of the hands of identity thieves," said Enzi.

Starting December 1, 2004 consumers in western states can obtain their free report online at, or by calling 1–877–322–8228, or by writing to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.