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AnnualCreditReport.com is the only legitimate website where you can pull your official credit report without incurring costs. Click on “Request your free credit reports”
AnnualCreditReport.com is a website jointly operated by the three major U.S. credit reporting agencies, Equifax, Experian, and TransUnion.The site was created in order to comply with their obligations under the Fair and Accurate Credit Transactions Act (FACTA) [1] to provide a mechanism for American consumers to receive up to three free credit reports per year.
The law requires all three agencies, Equifax, Experian, and Transunion, to provide reports. These credit reports do not contain credit scores from any of the three agencies. The three credit bureaus run Annualcreditreport.com, where users can get their free credit reports. Non-FICO credit scores are available as an add-on feature of the report ...
You can get free copies of your credit reports at AnnualCreditReport.com, an official website operated by the three credit bureaus. You can access them up to once per week through the platform.
Under the Fair and Accurate Credit Transactions Act (FACTA), an amendment to the FCRA passed in 2003, consumers are able to receive a free copy of their consumer report from each credit reporting agency once a year. [7] The free report can be requested by telephone, mail, or through the government-authorized website: AnnualCreditReport.com. [8]
The website will ask you a few questions and direct you to the three credit bureaus where you can download your credit reports. Keep an eye on your credit score Accessing your FICO score ...
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