Review : Is it safe ?

Personal finance isn’t the most exciting topic, but regardless of whether you have a good credit history or shaky credit accounts, keeping track of your FICO score as reported by the three credit reporting bureaus (Experian, Equifax, or Transunion) is critical.

Those same major credit bureaus assist in determining whether you are eligible for low credit card interest rates or low loan interest rates.

In fact, with identity theft rates at an all-time high, especially during the COVID-19 pandemic, paying attention to your credit file is more important than ever.

It may seem like an unnecessary expense to shop around for a credit reporting company to provide you with a credit report, especially if you only want to check your score once a year.

Thankfully, is available to provide you with a free credit report  once a year.

This website is ideal for someone who is only interested in the fundamentals of credit reporting and is willing to pay the unbeatable price of $0.00.

annual credit report safe

What is and what does it do?

The Consumer Financial Protection Bureau and the Federal Trade Commission both recognize the Annual Credit Report (

As a result, only is required by federal law (FCRA-Fair Credit Reporting Act) to provide users with a free annual credit report from:

Equifax is a credit reporting agency.

Experian is a company that specializes in providing information

TransUnion is a non-profit organization dedicated to

Central Source LLC, an Atlanta-based joint venture between the three relevant credit unions, manages and maintains the website.

How Do I Use Review

To obtain a free copy of your credit report from, simply fill out the free credit report request form with some personal information.

The following are some of the details:

  • a name
  • Year of Birth
  • Number of the Social Security Administration
  • Household Address

This information is only used to verify that you are who you say you are and to prevent your credit information from falling into the wrong hands and a new credit account being opened in your name.

Many people are wary of disclosing personal information online in order to avoid becoming a victim of an identity theft scam, but has a solid reputation for being trustworthy and secure. will direct you to the relevant website of the credit company whose report you want to view after you confirm your identity.

In some cases, you may not have a sufficient credit history to confirm your identity on the spot.

If this happens, you’ll have to wait for your credit report to arrive in the mail rather than viewing it instantly online.

What Kinds of Services Are Available

Because is completely free, the credit reporting platform and services it provides are fairly limited.

As a result, the only service it offers is a free annual credit report from Equifax, Experian, and TransUnion, the three major credit reporting agencies.

Although it lacks the frills that some other credit monitoring services offer, it’s difficult to argue with the fact that it’s something for nothing.

If you’re wondering what’s included in the basic free credit score you get when you sign up for, you’ll be surprised.

You can anticipate receiving:

  • a list of all previous loans you’ve taken out
  • Credit limits as of now
  • History of payments

Credit information that is available to the public

Unfortunately, this service does not include any kind of credit score, credit monitoring, or identity theft protection. They do offer some resources on the topics of identity theft and credit security.

If you want these included as part of the package, you should sign up for a paid service.

Advantages of


First and foremost, it’s difficult to deny that is a completely free service.

Individuals may want to take advantage of ongoing credit monitoring, highly detailed reports, and identity theft protection.

Others, on the other hand, prefer a minimalist approach in which they keep track of their own details. It’s free, straightforward, and simple to use.

The three primary credit agencies own it.

Equifax, Experian, and TransUnion, the three major credit bureaus, own the service.

You can request a single report from one of the companies at any time thanks to the convenient partnership.

Instead of receiving three reports at once, you can keep track of your credit throughout the year.

Even though you’re technically not paying anything, it’s a clever way to get the most bang for your buck.

What sets apart from the competition?

As previously stated, the price point is the single most important factor that distinguishes from other credit reporting services.

Other than the annual credit report, does not provide any other services.

It’s one disadvantage for those who want a more complete picture of their credit situation.

The service also lacks live customer support, so if you have any problems, you’ll have to contact them through their website’s contact form. Another common complaint can be turned into a benefit.

They are so cautious with your information that forgetting the security questions makes it extremely difficult to access your account. Just in case, write them down somewhere safe. is an official government resource, despite its flaws. It was made mandatory by the federal Fair and Accurate Credit Transactions Act (FACTA) in 2003.

As a result, it is government-approved and an excellent way to gain access to your credit information.

Reputation of is a reputable source of credit information because it is a free government-sanctioned service. It should not raise any concerns about being duped or scammed.

It certainly leaves a lot to be desired, given that the services are basic and limited to the most basic credit reporting functions. However, it’s difficult to expect much when you’re not required to pay anything. has a few valid complaints from its users, despite being a reputable credit reporting service. The identity verification process, in particular, has been described as perplexing and frustrating by several users.

In the website’s defense, this is because identity security is critical, and specific protocols must be in place to protect users’ personal information.

Overall, is excellent for what it is. It’s a great way to get a quick look at your credit from a reputable source.

You will not be charged anything, your information will be kept secure, and you will be able to see how your credit is doing from year to year.

annual credit report is safe

Contact Information for

For your convenience, we’ve included their contact information below:

Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281 Phone Number: Their website does not list a phone number.
Annual Credit Report:
Is it a good idea to use is an excellent choice for anyone looking for a simple annual snapshot of their credit from year to year.

There are many specialized credit-reporting services available, but is for you if you prefer a simple approach to credit monitoring.

You should use this service if you don’t want to pay for extra features or continuous credit monitoring, but be prepared to go through an online identification process that isn’t always obvious or straightforward the first time. is not for you if you prefer the extra security net of identity theft insurance, constant monitoring, and a definitive credit score.

There are numerous paid services that provide these specific add-ons, but does not offer any kind of premium or paid service.

If you take credit monitoring seriously and want to go the extra mile to keep track of your credit, stay away from this service.

You can’t beat for what it is. The federal government mandated it so that everyone has the resources to check their credit once a year.

The website does an amazing job of providing users with basic credit reporting at a price that almost anyone can afford.

Final Thoughts Review

annual credit report safe