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Free Credit Reports Available

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AnnualCredit Report.com is a website jointly operated by the three major credit reporting agencies. Under the Fair Credit Reporting Act (FCRA), the credit reporting agencies must provide, upon request, a free credit report every twelve months. Credit scores are provided for an additional cost. Using the service does not lower a consumer’s credit score.

AnnualCreditReport.com is the only federally mandated and authorized source for receiving a free credit report. There are many websites with similar services that charge a fee or require a paid membership. Do not be misled.

Consumers can actually obtain a free credit report every four months by rotating among the three credit reporting agencies.