AnnualCreditReport.com

Back in 2004, Equifax, Experian and Transunion - all three credit reporting agencies joined forces to offer a one-stop free credit report center. This initiative was taken under terms of a new law that, among other things, guarantees every consumer a free yearly look at his/her credit record. The law is called the Fair and Accurate Credit Transactions Act, or FACT Act (visit www.ftc.gov/credit ).

The site for the credit report center is AnnualCreditReport.com which allows you to request, view and print one, two or all three of your credit reports via a secure internet site. Consumers should never provide their personal information to any other company or person for requesting free annual credit reports under the FACT Act.

You can also request the report by phone or mail (these will be processed within 15 days). Their toll-free telephone number (877) 322-8228 Mailing Address: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281