Get Your Free Credit Report

A totally free credit report from each of the three credit reporting agencies is now available to you, thanks to the Fair and Accurate Credit Transactions (FACT) Act. FACTA was put in place to fight identity theft, or rather, allow individuals to annually review their credit reports and detect identity theft and related unauthorized transactions. You should really take advantage of this law to get your free yearly credit report from all 3 credit report agencies not only for free credit check to detect unauthorized transactions but also detect any errors. There is only one web site that has been collectively established by all 3 credit-reporting agencies that allows you to apply on-line and print your credit report immediately. No other web site allows you to download your free credit report. You may hear a lot of companies that sell other services and products make you believe they are the ones who would give you free copies, but all they’re doing is taking advantage of this law to sell you other products and services. You don’t need any help from any one. Just go to the site, answer a few personal questions to validate your identity, and voila, you have all your reports in just a few minutes. You have to validate yourself 3 separate times to each one of the 3 agencies by answering different sets of questions but it’s all from the same web site and very quick. was created by the three nationwide consumer credit reporting companies, Equifax, Experian and TransUnion to allow consumers to centrally request annual credit reports. Although, you can also mail your request for a copy of the credit report, you have instant access to your report information on-line. Your mailed request will be processed within 15 days.

Under the Fair and Accurate Credit Transactions Act (FACTA) consumers can request and obtain a free credit report once every 12 months from each of the three nationwide consumer credit reporting companies. provides consumers with the secure means to print their credit reports via the internet. Consumers have also the option to request reports by phone or by mail. To apply by phone, call 1-877-322-8228 and your request should be processed within 15 days. However, I strongly suggest requesting the report over the internet. is the only service authorized by Equifax, Experian and TransUnion to provide a free credit report. Please note that, as a security precaution, consumers should never provide their personal information to any other company, web site or person in connection with requesting free annual credit reports under the FACT Act. will not approach consumers via email, telemarketing or direct mail solicitations.

Learn about the benefits of a free credit report.

Identity Theft Course