How It Works
www.annualcreditreport.com is a website jointly operated by the three major U.S. credit reporting agencies, Equifax, Experian and Trans Union. This site provides free credit reports from three credit reporting agencies once each year.
AnnualCreditreport.com is the only federally mandated and authorized source for obtaining a free credit report. FTC cautions consumers to be aware of fraudulent sites that have similar names and will take consumers to unwanted sites with improper intentions.
When you go to Annualcreditreport.com, it will ask you for your information and will try and authenticate your identity before it provides you the report.