Annual Credit Report Website. You can get latest info about annual credit report at Annualcreditreport.com is a website jointly operated by the three major U.S. credit reporting agencies Equifax, Experian, and TransUnion. Annualcreditreport.com requires users to register with the site and provide their basic identification information, such as name, address and social security number.
Annualcreditreport.com was created in order to comply with their obligations under the Fair and Accurate Credit Transactions Act (FACTA) to provide a mechanism for American consumers to receive a free annual credit report.
A consumer can request reports from all three agencies at the same time or stagger the requests throughout the twelve month period as a way to self-monitor their credit data.[1] In order to obtain a free credit report, users are not required to give a credit card number but establishing an account is required by some of the agencies. Any inaccuracies or signs of identity theft may be dealt with using the mechanisms provided for under the FCRA and FACTA.
By using Annualcreditreport.com, the service doesn’t lower the consumer's credit score, as it counts as a "soft" credit pull. However, "hard" credit pulls made by lenders directly affect the borrower's credit score.
Annualcreditreport.com is the only federally mandated and authorized source for obtaining a free credit report. The Federal Trade Commission cautions consumers to be aware of “impostor” websites that have similar names or are deliberate misspellings of the real name. Just visit Annualcreditreport.com now!
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