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Sometimes when seeking a free credit report it helps to learn a little bit about the resources available to you. One of these is Annual Credit Report.com.

Background Info

Annual Credit Report.com is a company that was created by Equifax, Experian and TransUnion. These are the three major nationwide credit agencies that are in compliance with federal guidelines set once the Fair and Accurate Credit Transactions Act (FACT Act) was passed in 2003.

The main objective of Annual Credit Report.com is to provide consumers with the one free credit report they are entitled to once every 12 months. Information presented in this complementary document would be provided by one of the three major credit bureaus mentioned above.

Services Offered

People who request documents from Annual Credit Report.com are presented them in a very speedy manner. They can obtain them very quickly-in much less time than they would if they have requested them by telephone or mail.

In addition to request of a instant free credit report, this free service started by Experian, Equifax, and TransUnion offers much more. You receive information pertaining to all questions people have about receiving credit reports.

Additional assistance provided by Annual Credit Report.com includes this:

• Simple provision of information for people who want to learn how they can place an identify theft fraud alert on their file
• Referral to rules and regulations for consumers set by the Fair Credit Reporting Act
• Answers to questions about security when seeking a free credit report
• Information on how to only receive an online report but how to receive one by mail or phone
• References to information as well as basic answers about prevention of further identity theft action
• Information about access to credit reports for vision impaired individuals
• Provision of fraud alert contact information of all three major credit bureaus