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The annualcreditreport.com is the only authorized source for consumers to access their credit reports online for free. Consumers are advised not to respond to email scams that ask you for your account number, credit card number, and personal identification numbers relating to obtaining a free credit report. E-mail messages that ask for this type of information are fraudulent, and should be reported immediately. Formal complaints concerning any suspected fraudulent e-mail should be filed with the Internet Fraud Complaint Center (IFCC) click here for more information.

Consumers are encouraged to view their credit reports regularly to check for inaccuracies or signs of identity theft. For information on how to dispute any errors, the Federal Trade Commission has published a brochure, Your Access to Free Credit reports. You can get a copy of this brochure by clicking here.