Did You Know?
By law, all US consumers have a right to obtain a FREE annual credit report - directly from the three major consumer credit reporting agencies, once per year. This is to allow you to spot and address any concerns or inaccuracies in your credit report on file with them.
AnnualCreditReport.com is a centralized service for consumers to request free annual credit reports. It was created by the three nationwide consumer credit reporting companies - Equifax, Experian and TransUnion.
AnnualCreditReport.com provides consumers with the secure means to request and obtain a free credit report once every 12 months from each of the three nationwide consumer credit reporting companies in accordance with the Fair and Accurate Credit Transactions Act (FACT Act).
AnnualCreditReport.com offers consumers a fast and convenient way to request, view and print their credit reports in a secure Internet environment. We also provide options to request reports by telephone and by mail.
AnnualCreditReport.com is the only service authorized by Equifax, Experian and TransUnion for this purpose. The three nationwide consumer credit reporting companies have always encouraged consumers to regularly review their credit reports.
Please note that, as a security precaution,
- Consumers should never provide their personal information to any other company or person for requesting free annual credit reports under the FACT Act.
- AnnualCreditReport.com will not approach consumers via email, telemarketing or direct mail solicitations.
As highly trained mortgage lending professionals, we offer you valuable, timely advice and strategies (NOT potentially ruinous internet-based advice) to manage the information in your report and to help you achieve your optimal credit scores. Be sure to check with us first, before taking any action on your own, to address concerns or inaccuracies you may have with information in your report!
