The only authorized website for free credit reports is Annual Credit Report (dot com). Every individual is entitled to one free credit report every 12 months from each of 3 nationwide credit reporting companies (Equifax, Experian, TransUnion). To receive a free credit report, following information needs to be provided in order to verify the identity:
- Name
- Address
- Social Security Number
- Date of Birth
This is possible because of The Fair Credit Reporting Act (FCRA). The Federal Trade Commission is responsible for enforcing this Act.
