The answer to your question is a resounding YES! Yes you can get a free annual credit report. In fact, since the Fair Credit Reporting Act was signed into law in early 2004, you my friends are entitled to your credit report, for free, from each of the three major credit reporting agencies, Experian, TransUnion and Equifax once every twelve months.

Now here is where you have to be just a bit careful when you want to get your free annual credit report. Since the law was signed into effect and since this can be such a lucrative market, the Federal Trade Commission receives a constant stream of complaints form consumers visiting websites that advertise getting your free report but in reality making the consumer pay fees or join unrelated programs.

Just a quick note, if you or anyone that you know has had experiences in this regard, the FTC is requesting that you file a complaint on their website ftccomplaintassistant.gov.

You also need to be aware that any emails, TV ads or search results that may entice you with the offer of “free annual credit report” are usually not what you are really looking for. In fact, if you do receive emails from any source that offer you this service, the FTC is requesting that you forward the email to them at spam(at)uce.gov.

Click to View Your Report

Ok, now that we have that out of the way, here is the only true authorized site that exists in order for you to get your free annual credit report that you are entitled to by law. The site is Annualcreditreport.com. Write that down if you need to and put it someplace, like maybe a sticky note by your computer. It’s the only site that you need if you want to access your credit reports from the big three nationwide credit reporting companies.

“Is it difficult to get my free annual credit report from all the companies?”

If you’re thinking that you’ll be dealing with a frustrating maze of hoops to jump through, you won’t. In fact you will have 3 options to receive your credit reports.

  • You can receive your reports online in a printable format by entering your information. This is done in a secure environment to protect the sensitive information that you will need to provide.
  • You can order your reports via phone to have them delivered directly to you
  • You can fill out a printable request form and mail it in

You have the option of getting all your reports at one time or you can order one free annual credit report at a time and space each out over the course of a year. This can be helpful if you want to monitor your activity more closely and keep an eye on any changes that may affect your credit scores.

So now that you are armed with the correct information on exactly how to get your free annual credit report, you won’t have to worry about falling prey to any of those offers that you are exposed to on a daily basis. Right?

Click on the button below and get your credit check report with free scores and start monitoring your credit!

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