Q:

Can you get free annual credit reports online?

A:

Quick Answer

Free annual credit reports from Experian, Equifax and TransUnion are available online at AnnualCreditReport.com. Federal law requires each agency to provide consumers with one free credit report per year.

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Full Answer

If a consumer requests a credit report from Equifax on July 1 of the current year, he is not eligible to request another report from Equifax until July 1 of the following year. He can, however, request a report from the other two agencies if he hasn't already done so in that year. In order to access credit reports, a consumer must provide personally identifying information and answer various questions related to the information contained in the report.

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