You don’t need to pay a fee to get a copy of your free credit report from the three (3) major credit reporting agencies: Equifax, Experian and TransUnion.

AnnualCreditReport.com is the official site set up by the big three credit reporting agencies in the United States, to furnish free annual credit reports, as required by federal law.

Individuals can now fight identity theft when they monitor and review their credit report. You can request your free credit report online, by phone or through the mail. Free credit reports requested online are viewable immediately upon authentication of identity.

Don’t be fooled by other companies that try to get you to commit to a monthly service fee.

Many companies are offering to provide a free credit report. The
question is “Do you have to pay to get a “free” credit report?”  Well, if you’re not
careful you may do just that.

Some “free” sites use interest generated by the FTC’s new laws to get you to
request the report from their website. When you request your free report, they
upsell you with credit protection and monitoring services. Some require you to
provide confidential information and a credit card to receive your free
report.

You can avoid this by requesting the report directly via the FTC’s
own website or calling 1-877-322-8228.