Find legitimate credit counseling agencies

The Web site for the National Federation for Consumer Credit Counseling can direct consumers to legitimate credit counseling services at

According to federal law, three private credit tracking companies - Equifax Inc., Experian Ltd. and Trans Union LLC - must provide Nevadans with a free copy of their credit reports every year.

The agencies have set up a joint Web site to provide these free reports at www.annualcreditreport. com. Consumers can also call (877) 322-8228.

The agencies will not provide the free reports through their own Web sites. The program is now available for most of the country.


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