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Free Credit Report… Fact or Fiction?
Under the provisions of federal consumer law, consumers may obtain a free credit report from one or all of the big three credit reporting companies by visiting http://www.annualcreditreport.com/ 
Beware of other websites offering “free credit reports” which include : Experian | http://www.freecreditreport.com/  One of the largest credit reporting firms, that offer the reporting service in hopes that consumers will subscribe to a credit report monitoring service for a monthly fee. 
Some of the other popular sites include: FreeCreditReportSource.com, FreebieCreditReport.com, FreeCreditReportsInstantly.com, and many other similarly named websites that will "give" you a "free" credit report, but with the intent of selling you credit services you may have no interest in. Sound confusing? For the sake of clarity, here are some facts that should be helpful.
The federal government put into place the free annual credit report provision of the Fair and Accurate Credit Transactions Act (FACTA), enacted Dec. 4, 2003 to overhaul the Fair Credit Reporting Act (FCRA).
The provision states that consumers are entitled to one free credit report each year from each of the three major credit reporting agencies, Equifax; Experian; and TransUnion.
Along with your personal identification information, social security number, birth date, name, recent addresses and employers, etc., your credit report ... more

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