You can help to protect yourself against identity theft by reviewing your credit report at least once a year. The Fair Credit Reporting Act (FCRA) requires that each of the three national consumer credit reporting companies — Equifax, Experian, and TransUnion — provide you with a copy of your credit report on request once every 12 months at no charge.
The Federal Trade Commission (FTC) enforces the FCRA, which promotes the secure maintenance of accurate information by the consumer credit reporting companies.
By regularly checking your credi report, you can
The three consumer reporting companies have set up a central website, toll-free telephone number, and mailing address through which you can order your free annual report. Go to annualcreditreport.com, call 1-877-322-8228, or download the Annual Credit Report Request Form and mailing it to:
Note that the only website authorized to fill orders for the free annual credit report you are entitled to under law is annualcreditreport.com. Other sites will similar names may charge a fee and/or not provide reports from all three agencies.