Don’t be fooled by look-alikes. AnnualCreditReport.com is the only official site explicitly directed by Federal law to provide them.

What law gives you a free credit report?

You might see companies and sites offering free credit reports, but there’s only one authorized place to get the free annual credit report you’re entitled to by law: AnnualCreditReport.com. AnnualCreditReport.com and the credit bureaus will not email you asking for your Social Security number or account information.

Are there any credit reports that are free?

And it’s still free. The three national credit reporting agencies—TransUnion, Experian and Equifax—are required by federal law to provide you with a free annual credit report. In fact, AnnualCreditReport.com was created by the credit reporting agencies as a one-stop-shop to provide you with your annual credit reports.

Where can I get my annual credit report?

AnnualCreditReport.com is the official site to get your free annual credit reports. This right is guaranteed by Federal law. You can verify this is the official site by visiting the CFPB’s website. Don’t be fooled by look-alike sites.

Is the Fair Credit Reporting Act a law?

The Fair Credit Reporting Act (FCRA) is a law that requires each of the three credit reporting companies to provide you with a free copy of your credit report, once annually. The Federal Trade Commission (FTC) is in charge of enforcing the FCRA with the three reporting agencies. The…

Do you have to pay for a credit report?

The website has SSL encryption and is considered a secure site. You may request your credit report from each agency yearly, and some consumers request one from each one every four months to receive free reports on a quarterly rotation. If you want your credit score, you will have to pay a fee from the agencies.