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. The FCRA promotes the accuracy and privacy of information in the files of the nation's consumer reporting compames.
A Warning About "Imposter" Web Sites Only one website is authorized to fill orders for the free annual credit report you are entitled to under law - annualcreditreport.com. Other websites that claim to offer "free credit reports," "free credit scores,"',Jlr "free credit monitoring" are not part of the legally mandated free annual credit report program. In some cases, the "free" product comes with strings attached. For example, some sites sign you up for a "free" service that converts to one you have to pay for after a trial period.
Annualcreditreport.com and the nationwide consumer reporting companies will not send you an email asking for your personal information. If you get an email, see a pop-up ad, or get a phone call from someone claiming to be from annualcreditreport.com or any of the three nationwide consumer reporting companies, do not reply or click on any link in the message. Forward any such email to the U.S. Federal Trade Commission at spam@uce.gov.
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