information from the Federal Trade Commission, the nation’s consumer protection agency:
is the ONLY
online source for you to get a free credit report under federal law. You can get a free report from each of the three
national credit reporting companies every 12 months. Some other sites claim to offer "free" credit reports but
may charge you for another product if you accept a "free" report.
A recent amendment to the federal Fair Credit Reporting Act requires each of the nationwide consumer reporting companies –
Equifax, Experian and TransUnion – to provide you with a free copy of your credit report, at your request, once every 12
months. www.annualcreditreport.com is the only online source
authorized to do so. Beware of other sites that may look and sound similar.
The Federal Trade Commission (FTC) advises consumers who order their free annual credit reports online to be sure to
correctly spell www.annualcreditreport.com, or link to it from
the FTC’s web site to avoid being misdirected to other web sites that offer supposedly free reports, but only with the purchase
of other products. While consumers may be offered additional products or services while on the authorized Web site, they are not
required to make a purchase to receive their free annual credit reports.
The FTC has received complaints from consumers who thought they were ordering their free annual credit report online. Some
consumers responded to TV ads, e-mail offers or simply searched online.
File a Complaint
The FTC wants to hear from you if you paid for what you thought was your free annual credit report. Go to
www.ftc.gov and click "For Consumers" on the menu.
The FTC also wants you to forward us any unsolicited e-mails you’ve received offering you a free annual credit report. Send them
Ordering Your Free Annual Credit Report
The three nationwide consumer reporting companies have set up one central web site, toll free telephone number, and mailing
address through which you can order your free annual report. To order, click on www.annualcreditreport.com,
call 877-322-8228, or complete the Annual Credit Report
Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105283, Atlanta, GA 30348-5283.
Do not contact the three nationwide consumer reporting companies individually. They are only providing free annual credit reports
through the contacts listed above.