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.