There are three consumer reporting agencies in the United States in which you can get your free credit report from annually under the Fair Credit Reporting Act (FCRA) – Equifax, Experian, and TransUnion. It is vital obtain a copy of each annually to ensure that all account information is accurate.
The only website authorized to give this free report yearly is annualcreditreport.com
. When visiting the site to get a copy of your report, make sure to check your spelling to ensure you are on the correct site. To learn about “imposter” websites offering free credit reports, visit the FTC here
When you visit this site, you can choose to either get all three reports at the same time, or you can instead decide to space out annual free report for each of these reporting agencies and visit the site every four months for a free report. If you chose the latter, make sure to keep note of which agency you obtained a report from as you will not get another free report from this agency for another 12 months.