Consumer - Free Annual Credit Report
Want a Free Annual Credit Report? The ONLY Official Website is annualcreditreport.com
The federal Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months. The three companies have set up one central website, toll free telephone number and mailing address through which you can order your free credit report. The Federal Trade Commission (FTC) wants you to know that if you want to order your free annual credit report online, there is only one authorized website: annualcreditreport.com.
FTC's Free Credit Report Information
Warning About “Imposter” Websites Offering Free Credit
Reports
Beware of other websites that look and sound similar!
Other
websites that claim to offer “free credit reports,” “free
credit scores” or “free credit monitoring” are not part
of the legally mandated free annual credit report program. In some cases,
the “free” product comes with strings attached. For example,
some sites sign you up for a supposedly “free” service that converts
to one you have to pay for after a trial period. If you don’t cancel
during the trial period, you may be unwittingly agreeing to let the company
start charging fees to your credit card.
Annualcreditreport.com and the nationwide consumer
reporting companies will
not send you an email asking for your personal information.
If
you get an email, see a pop-up ad, or get a phone call from someone
claiming to be from annualcreditreport.com or
any of the three nationwide consumer reporting companies, do
not reply or click on any link in the message. It’s probably a scam.
Forward any such email to the FTC: spam@uce.gov