AnnualCreditReport.com
A federal law was passed in 2003 that gave every consumer the right to a free credit report from all credit reporting agencies once a year. 1 AnnualCreditReport.com is a centralized website where every consumer can access their free credit report as provided by federal law. The Consumer Financial Protection Bureau confirms that AnnualCreditReport.com is the official website for obtaining free credit reports from all three major credit bureaus — Equifax, Experian, and TransUnion.
AnnualCreditReport.com offers one free credit report every 12 months without requiring you to sign up, create an account, or enter your credit card information. You can also order your free credit report by calling 1-877-322-8228. Credit reports are available in PDF format for download, or you can have them mailed to you. The disadvantage is that you receive your full credit report, which has not been formatted for ease of use. Your credit reports can be dozens of pages long, depending on the length of your credit history and the number of accounts you've had. AnnualCreditReport.com will not provide you with a credit score along with your credit report.
Pros
- Reports from three major bureaus available
- No account requirement
Cons
- Only accessible once a year
- No credit score access
Google rating: 4.1/5.0
Website: annualcreditreport.com
