What is the official government-approved website to obtain a free credit report?

The official government-approved website to obtain a free credit report is annualcreditreport.com. This site was established as a result of the Fair and Accurate Credit Transactions Act (FACTA), which allows consumers to access one free credit report per year from each of the three major credit reporting agencies: Equifax, Experian, and TransUnion.

Using annualcreditreport.com ensures that individuals are accessing their credit reports securely and without any associated fees. It serves as a central source that adheres to legal standards for consumer protection.

Other options presented may sound appealing but are not authorized by the government for free credit report access, often leading to confusion. For example, getmycreditreport.com and freerealcreditreport.com may charge fees or offer services that could mislead consumers about free access to credit reports. Creditcheck.gov does not serve as a recognized source for obtaining free credit reports.

Thus, annualcreditreport.com is the right choice for obtaining legitimate free credit reports in compliance with federal law.