Which website allows consumers to access a free credit report authorized by the federal government?

The correct choice is annualcreditreport.com because this website is the only one authorized by federal law to provide consumers with free access to their credit reports. Under the Fair Credit Reporting Act, individuals are entitled to receive one free credit report every year from each of the three major credit reporting agencies: Equifax, Experian, and TransUnion. This site enables consumers to request their reports without any cost, helping them monitor their credit health and detect any inaccuracies or potential identity theft.

Other websites like creditkarma.com may offer free credit scores and credit monitoring services, but they do not provide the same free credit reports mandated by federal law. Transunion.com and experian.com are official sites of the credit reporting agencies, but while they offer credit-related products, they typically do not provide free credit reports in the same manner as annualcreditreport.com. Thus, annualcreditreport.com is the one established source for obtaining free credit reports as per U.S. federal legislation.