You can get a free credit check from AnnualCreditReport.com right now. That is the only Web site currently authorized to give you a free credit report as of 2005. The U.S. government allowed for the construction of this secure, centralized Internet service to help consumers request one free annual credit report from each of the three major credit bureaus - Experian, Equifax and Trans Union.
Thanks to the recent Fair and Accurate Credit Transactions Act (FACT Act), American consumers can get a free credit report once per year from all three nationwide credit reporting companies. At AnnualCreditReport.com, you have a secure way to get these free credit reports. The site is fast and convenient and lets you print out your free report from the privacy of your home.
The three major credit bureaus encourage consumers to look at their credit reports on a regular basis - partly to protect themselves against customer complaints, and partly to make more money. Now that you can one free credit rating check from each major bureau per year, the bureaus want you to buy more credit reports that you have to pay for. You can get your FICO score for free and even alert a bureau to errors in your credit report.
If you don't trust the Internet, the website mentioned above offers you contact information to get in touch with the credit bureaus by phone or snail mail. Please note that there is no other Web site authorized by the three major credit-reporting agencies to give you your annual credit check for free. Don't be fooled by Internet scam artists who have phony websites set up to take your money - and perhaps even your identity.
We wish you best in getting your free credit reports. Please read our other pages regarding credit to learn more about how you can improve yours.