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.
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.