How Consumers Can Access Free Credit Reports

The FACT ACT: Fair and Accurate Credit Transactions Act, passed by Congress, allows all individuals the right to check their credit report once a year. Fight identity theft by monitoring and reviewing your credit report annually. You may request your free credit report online or by phone. Free credit reports requested online are viewable immediately upon authentication of identity.

Annualcreditreport.com is the only authorized source for consumers to access their credit reports online for free. This central site allows you to request a free credit report once every 12 months from each of the nationwide consumer reporting companies: Equifax, Experian, and TransUnion. The site's security protocols are designed to protect your personally identifiable information from unauthorized access or alteration.

Online: Annualcreditreport.com

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Toll Free: call 877-322-8228