Your Credit Report

Your individual credit report is one of the most important barometers of your overall financial health. This summary of your financial responsibility—prepared by credit bureaus (also called credit reporting agencies)—tells lenders about your history of paying bills and is used by them to decide whether to loan you money and how much to charge.

The official website,, is the ONLY authorized online source for you to get a free credit report under federal law. You can get a free credit from each of the three national credit reporting companies every 12 months. Some other sites claim to offer “free” credit reports, but may charge you for another product if you accept a “free” report.