By law, you can get a free credit report annually from each credit reporting agency, Experian, Equifax and TransUnion.  This free credit report is available at annualcreditreport.com.  If you do not have a computer, you can also get your free report by calling Annual Credit Report at 1-877-322-8228 or filling out the Annual Credit Report Form and mailing it to the address as instructed on the FTC’s website.

Do not get the FTC’s information confused with offers you see on TV ads, e-mail offers or Internet searches- as these ads could end up charging you hidden fees, annual membership fees, or sell you other services that may be difficult to get out of.  You can file a complaint with the FTC if you paid for what you thought was your free annual credit report.