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.  

Experian is the third reporting agency that offers credit report account information. This report can be checked once a year for free on annual credit report. However, if you already checked your credit report once, and want to check your credit score again, maybe due to a rejection for credit, you can use Experian.  Experian allows you to check your credit report for free, although they do need a valid credit card number to verify that the user is the person that is being inquired about.

In addition, Experian offers many other extra services that have to be paid for. Such as Smart Business Reports that allow you to check your business credit report. MetroNet that allows you to find current data on debtors, Contractor check allows you to get real contractors and stay away from fraudulent contractors. Another service that the website provides is the Business Public Records, which basically allows the user to find a lot of information about a particular business. The AutoCount provides the user with the information of who has recently sold or bought a vehicle, such service provides some companies with a list of customers for which they can target their advertising of their products.

What ever your needs are Experian can handle some of them for a small fee. However, if it is only the credit report that you are looking for, make sure that you exhaust your free option of getting the credit report from three agencies, Experian, Equifax, and TransUnion at annualcreditreport.com.

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