AnnualCreditReport.com is different from many other websites that offer the opportunity to access your credit report. Their website can be found at: www.annualcreditreport.com.  They advise that they are “the official site to help consumers to obtain their free credit report.”  The site itself was created by three nationwide consumer reporting agencies, Equifax, Experian, and TransUnion.   They created this website to ensure they are in compliance with the Fair and Accurate Credit Transactions Act (FACT act).  

AnnualCreditReport.com does not solicit to provide any additional services such as credit monitoring for a fee and there is no annual membership to purchase. They advise that each consumer is eligible to access a free copy of their credit report from each of the three mentioned agencies once every 12 months. The sole purpose of this website is to provide a secure easy means for people to request these reports.

The website does include an extensive section with frequently asked questions which provides information about what to do if you feel there is an error on a report or if you want to get additional information about your rights as a consumer.  

AnnualCreditReport.com does not provide credit score information for free, though, in their F.A.Q. section they do mention that credit scores can be purchased through the website or you can contact the credit reporting agencies directly.

This is a very useful website and everyone should take advantage of the offer to access their truly “free” credit report. In today’s day and age it is very important to monitor your credit to ensure it has not been illegally compromised.