Under the final rule, the nationwide CRAs must establish a â€œcentralized sourceâ€? for accepting consumer requests for free credit reports (called annual file disclosures in the final rule). This centralized source must include a dedicated Internet Web site, a toll-free telephone number, and a postal address.
One of the rules of the centralized source is it "May collect only as much personally identifiable information as necessary to process requests."
For the complete story, visit the Federal Trade Commision for the Consumer's website.