AnnualCreditReport.com is a website that provides consumers with free access to credit reports from the three largest credit bureaus in the United States, namely Experian, TransUnion, and Equifax. 

After passing the Fair and Accurate Credit Transactions Act (FACTA) in 2003, these three credit bureaus worked together to create AnnualCreditReport.com. The act affirms that U.S. citizens have the right to review credit reports from the major credit bureaus once a year free of charge.

 

Is AnnualCreditReport.com legit?

Yes, AnnualCreditReport.com is legit. As a matter of fact, it is the only website that is authorized by U.S. federal law to provide free annual credit reports. 

 

Is AnnualCreditReport.com Reliable to Use?

There is no doubt about this, AnnualCreditReport.com won’t hurt your credit score. For the fact that to review your own report would be considered a soft check (“soft inquiry”). There is a difference between a soft inquiry and a hard inquiry for the latter lenders run when you apply for new credit accounts. While hard inquiries may lower your credit score, soft inquiries won’t hurt it, they are invisible to potential lenders too. There is no harm in checking your credit reports as much as you want.

 

Is It Safe to Use AnnualCreditReport.com?

If you are landed on the right site, it is safe to use AnnualCreditReport.com, the website uses an encryption protocol (SSL) to protect your data. However, sometimes fraudsters might create what we call “impostor” sites that look like AnnualCreditReport.com, so when you do the check, make sure you're getting into the right site. You can always use web protection methods such as VPN to protect you from scams.

 

How to Make Sure Your Data Is Safe and Protected?

VPN is widely accepted to be the best way to protect your online security and privacy. Among many services, VPN Unlimited is without a doubt the best solution.