Where to request the credit reports authorized by federal law.

AnnualCreditReport.com is the federally authorized website for requesting reports from the nationwide credit bureaus.

AnnualCreditReport.com is a website jointly operated by the three major U.S. credit reporting agencies, Equifax, Experian, and TransUnion. The site was created in order to comply with their obligations under the Fair and Accurate Credit Transactions Act to provide a mechanism for American consumers to receive up to three free credit reports per year.