The U.S. government does not offer free annual credit reports directly to consumers, explains the Federal Trade Commission. However, AnnualCreditReport.com is a website that offers one free annual credit report backed by the three major credit reporting agencies, Transunion, Experian and Equifax.
The Fair Credit Reporting Act states that consumers can receive one free credit report per year at their request, reports the Federal Trade Commission. However, the website AnnualCreditReport.com does not provide consumers with their actual credit scores, and the FCRA does not require reporting agencies to provide consumers with free annual reports of their credit scores, as of 2015. Consumers must pay for their credit scores if they use Transunion, Experian or Equifax, according to Experian.