AnnualCreditReport.com is the official site for you to request your free annual credit reports from all three Major Credit Reporting Agencies (CRAs).
However, before you go there, I would like to bring to your attention a few items.
First, your annual credit reports will not include Credit Scores.
Second, if you go to the bottom of their website and click on the link that reads ‘About this site’ you will be directed to their ‘About’ page.
On their ‘About’ page there is a paragraph that reveals that AnnualCreditReport.com is maintained by Central Source LLC, which, Central Source LLC is sponsored by the three Major Credit Reporting Agencies: Equifax, Experian, and TransUnion.
Third, if you click on over to their ‘Policies’ page, you will find a section that reads ‘Use of website is ‘as is’, with no warranties of any kind.’
AnnualCreditReport.com is a legitimate website that is sponsored by the three Major Credit Reporting Agencies, and in the event that a disputed item is not corrected or deleted on your credit report, this is a website for you to get your official credit reports if you decide to seek legal remedies.
If you have difficulty navigating or requesting your credit reports through AnnualCreditReport.com you can always go directly to each website of the three Major Credit Reporting Agencies and make a request for your official credit reports.
You have three options when requesting your credit reports through AnnualCreditReport.com
You can request your credit report directly on their website; make a request by phone; or you can make a request by mail.
NOTE: Their website discourages anyone from clicking on any link to access their website, therefore, if you wish to request your annual credit report from AnnualCreditReport.com, it will be necessary to type their URL into your browser: https://www.AnnualCreditReport.com
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