AnnualCreditReport.com® is Not a Scam
AnnualCreditReport.com® remains the only free, “no strings attached” method for checking all three of your credit reports. You can check your credit reports (EquiFax, Experian, TransUnion) with annualcreditreport.com® once a year for free.
From the U.S. Federal Trade Commission (ftc.gov):
The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months.
After the Act was passed, the three agencies got together and created annualcreditreport.com®.
How to Check Your Credit Reports and Why?
If you’ve never checked your credit reports, I recommend going to annualcreditreport.com® right now and printing off all three reports. If you’ve previously checked your credit reports, I recommend starting a rotation: check one of the three reports every four months.
For more information on reviewing your credit report and checking your credit score for free, check out my previous post: annualcreditreport.com® and Free Credit Score.
For more specifics on actually fixing your credit report check out: How to Fix Your Credit Report. Good luck.