SEARCH QUESTIONS & ANSWERS

Is there a truly free method of obtaining my credit reports? Some companies advertise "free" credit reports, however these services come with fees or the purchase of other services. The Fair Credit Reporting Act (FCRA) 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. While some companies may offer to provide you with free credit reports, the Federal Trade Commission-sponsored AnnualCreditReport.com website is the ONLY authorized source for the free annual credit report that's yours by law. Visit the AnnualCreditReport.com site to learn how you can obtain your credit report. Monitoring your credit reports is an important tool to help you prevent and detect identity theft. For information on steps you can take to prevent identity theft, visit the Minimize Your Risk section of the Federal Trade Commission's (FTC) Identity Theft website. Further information is available on the In the Spotlight: Identity Theft and the Crime: Identity Theft sections of our website. Last Updated: November 23, 2011

Ask Another Question Email Your Question