How To Get Your Free Credit Report and What To Look For

credit cardsIn 2003 the Fair and Accurate Credit Transactions Act was passed, giving you the right to get one free credit report a year from each of the three reporting agencies – Equifax, Experian and TransUnion.

How To Get Your Free Credit Report

To order your free credit report, you can call 1-877-322-8228 or visit, which was set up by the three agencies in coordination with the Federal Trade Commission.

Don’t try to get a report from any other website, as many are scams that offer “free” reports, scores and other services that really have fine print. These “free” services have trial periods that automatically switch to paid services without alerting you. Other sites only want to collect your personal information. Please be careful and type in the address correctly. is the only official site.