Important information from the Federal Trade Commission, the nation’s consumer protection agency: annualcreditreport.com is the ONLY authorized 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.

If you have discrepancies in your credit report, contact the credit bureau from which it was obtained to correct the problem.

Learn More