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Free Credit Reports Online

The Federal Trade Commission ( provides a link to the official site to download your Free Annual Credit Report. The official website is

This centralized website was established by the big three nationwide consumer reporting companies Equifax, Experian and TransUnion. It's QUICK, EASY and SECURE. Download your reports for FREE not at


Beware of Free Credit Report Fraud!

1000's of websites offering "FREE Credit Reports" are popping up all over the web from mortgage companies, credit counselors, and from people with somewhat shady occupations.

Some of these websites offer legitimate services to you such as mortgage quotes, but the risk of supplying sensitive information including your Social Security number, bank account, or other information is too risky. The only official free credit report website is

The "FACT" Act

The Fair and Accurate Credit Transactions Act was signed into Federal law in December 2003 (the FACT Act). The most publicized provision of the FACT Act changes the Fair Credit Reporting Act (FCRA) to allow consumers a free annual credit report from each of the three national credit bureaus—Equifax, Experian and Trans Union.

What is in the Free Annual Credit Report?

Your credit report contains all details about your financial behavior, your credit history, loans, credit cards, third parties who have rmade inquiries about your credit history, payment history, and accounts turned over to collections.

Is this available in my state?

The Free Credit Report is available in all states. Get your FREE Credit Reports at

How often can I receive this report?

You are entitled to a free credit report from each of the nationwide credit bureaus once every 12 months. Of course, you may purchase a credit report at any time from the three reporting agencies.

How to put a Freeze on your credit

On of the most effective tools against identity theft is to put a freeze on your credit. Freezing your credit files has no impact whatsoever on your existing lines of credit, such as credit cards. You can continue to use them as you regularly would even when your credit is frozen.

The three credit reporting agencies have made it simple to put a credit freeze in place for a small fee. They allow you to seal your credit reports and use a personal identification number (PIN) that only you know and can use to temporarily thaw your credit if needed so that legitimate applications for credit and services can be processed. That added layer of security means that thieves can't establish new credit in your name even if they are able to obtain your ID.

The cost to freeze a credit report ranges from $3-$10 per each bureau. Some states have slightly higher fees. The cost to unfreeze or thaw your report for a period of time ranges from being free to $10.

To get started, click on each reporting bureau. Credit freezes can be done online or by certified mail.

Equifax credit freeze

Experian Credit Freeze

Transunion Credit Freeze

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