About this site - Annual Credit Report.com (2024)

AnnualCreditReport.com is the official site to get your free annual credit reports. This right is guaranteed by Federal law. You can verify this is the official site by visiting the CFPB's website.

Don't be fooled by look-alike sites. You can be sure that you are on the right site if you type www.AnnualCreditReport.com in your browser address line. Don't come to this site by clicking on a link in another site or in an email.

This site is maintained by Central Source, LLC. Central Source, LLC is sponsored by Equifax, Experian and TransUnion so you have a single site where you can ask for all three of your free credit reports.

About this site - Annual Credit Report.com (1)

Equifax is a global information solutions company that uses trusted unique data, innovative analytics, technology and industry expertise to power organizations and individuals around the world by transforming knowledge into insights that help make more informed business and personal decisions. The company organizes, assimilates and analyzes data on more than 820 million consumers and more than 91 million businesses worldwide, and its database includes employee data contributed from more than 7,100 employers.

Headquartered in Atlanta, Ga., Equifax operates or has investments in 24 countries in North America, Central and South America, Europe and the Asia Pacific region. It is a member of Standard & Poor's (S&P) 500® Index, and its common stock is traded on the New York Stock Exchange (NYSE) under the symbol EFX. Equifax employs approximately 9,500 employees worldwide.

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Experian is the leading global information services company, providing data and analytical tools to clients around the world. The Group helps businesses to manage credit risk, prevent fraud, target marketing offers and automate decision making. Experian also helps individuals to check their credit report and credit score, and protect against identity theft.

Experian plc is listed on the London Stock Exchange (EXPN) and is a constituent of the FTSE 100 index. Total revenue for the year ended 31 March 2012 was US$4.5 billion. Experian employs approximately 17,000 people in 44 countries and has its corporate headquarters in Dublin, Ireland, with operational headquarters in Nottingham, UK; California, US; and São Paulo, Brazil.

For more information, please visit www.experianplc.com.

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TransUnion:

Achieve more with TransUnion

TransUnion is a global leader in credit information and information management services. For more than 45 years, we've worked with businesses and consumers to gather, analyze and deliver the critical information needed to build strong economies throughout the world. The result is two-fold:

  • 1) Businesses can better manage risk and customer relationships
  • 2) Consumers can better understand and manage credit to achieve their financial goals

Our dedicated associates provide solutions to approximately 45,000 businesses and approximately 500 million consumers worldwide.

Learn more about how we create advantages for our customers every day at www.transunion.com.

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About this site - Annual Credit Report.com (2024)

FAQs

Is the website AnnualCreditReport.com legit? ›

AnnualCreditReport.com is the official site to get your free annual credit reports. This right is guaranteed by Federal law. You can verify this is the official site by visiting the CFPB's website. Don't be fooled by look-alike sites.

How much does it cost to get your credit score from AnnualCreditReport com? ›

Visit AnnualCreditReport.com to request free copies of your credit reports. Other sites may charge you or be fraudulent sites set up to steal your personal information. By law, everyone is entitled to one free credit report every twelve months from each of the three credit reporting agencies.

Is it safe to provide my Social Security Number to annual creditreport com? ›

Is it safe to provide my Social Security Number to AnnualCreditReport.com? Yes. The site's security protocols and measures protect the personal information you provide. You must enter your Social Security Number to receive a free credit report through AnnualCreditReport.com.

Does an AnnualCreditReport hurt your credit? ›

No, requesting your credit report does not hurt your credit score. You can check your credit at no charge at annualcreditreport.com . You can review your credit report online for free once a week, from each of the three nationwide consumer reporting companies (Equifax, Experian, and TransUnion).

What is the safest website to check credit score? ›

Don't be fooled by look-alikes.

Lots of sites promise credit reports for free. AnnualCreditReport.com is the only official site explicitly directed by Federal law to provide them.

How do I get my actual credit score for free? ›

Use a credit score service or free credit scoring site.

You're entitled to a free copy of your credit reports every 12 months from each of the three nationwide credit bureaus by visiting www.annualcreditreport.com.

What is the most popular credit score? ›

While FICO Score 8 is the most common, mortgage lenders might use FICO Score 2, 4 or 5. Auto lenders often use one of the FICO Auto Scores. And credit card lenders can use the FICO Bankcard Scores.

Is giving the last 4 digits of SSN safe? ›

Be careful when giving people the last four digits of your number. Sometimes people will ask for the last four digits of your Social Security number. Be sure to keep those numbers safe because they're unique to you. Dishonest people can find out the other numbers in your Social Security number, but not the last four.

What is the highest FICO score possible? ›

What's the best credit score to have? It might be exciting to aim for 850, the highest possible FICO score, but it really comes with no additional benefits. According to credit expert John Ulzheimer, a 760 will get you the best mortgage rate and a 720 score is all you need for the best interest rate for an auto loan.

How do I freeze my Social Security number? ›

This is done by calling our National 800 number (Toll Free 1-800-772-1213 or at our TTY number at 1-800-325-0778). Once requested, any automated telephone and electronic access to your Social Security record is blocked.

Is AnnualCreditReport.com trustworthy? ›

Is AnnualCreditReport.com safe? AnnualCreditReport.com is authorized by federal law and safe to use — as long as you ensure you're on the correct site. Double-check the URL when you type it, to be sure you have not made a typo.

Why is my credit score going down when I pay on time? ›

Using more of your credit card balance than usual — even if you pay on time — can reduce your score until a new, lower balance is reported the following month. Closed accounts and lower credit limits can also result in lower scores even if your payment behavior has not changed.

What is the official website to pull a credit report? ›

You might see companies and sites offering free credit reports, but there's only one authorized place to get the free annual credit reports you're entitled to by law: AnnualCreditReport.com.

Where is the only free and legitimate place to check your credit report? ›

You can request and review your free report through one of the following ways: Online: Visit AnnualCreditReport.com. Phone: Call (877) 322-8228. Mail: Download and complete the Annual Credit Report Request form .

How many times can you get a free credit report from AnnualCreditReport com each year? ›

You can get a free report once every 12 months from each of the three nationwide consumer credit reporting companies through AnnualCreditReport.com. You can request all three of your reports at once, or you can space them out over the course of the year.

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