AnnualCreditReport Review |‌ BankruptcyHQ is there to provide you with a free credit report once every twelve months.

Personal finance doesn’t seem like the most exciting topic.

It’s essential to total to maintain your FICO score, as reported by Equifax and Transunion.

The same credit bureaus can help you determine whether you are eligible to borrow money or charge interest on credit cards.

Credit files should be scrutinized more than ever. Especially during the COVID-19 pandemic, identity theft rates were high.

Finding a credit company that can provide you with a credit report can be expensive. Even if you only require it once a year, this is especially true.

This website is perfect for anyone interested in fundamental credit reporting basics, starting at $0.00

What is

The Federal Trade Commission and the Consumer Financial Protection Bureau (

So, is the only site that is obligated by federal law (FCRA-Fair Credit Reporting Act) to provide users with a free annual credit report from:

  1. Equifax
  2. Experian
  3. TransUnion

Central Source LLC, a joint venture between three credit unions that manage this website, is based in Atlanta.

How Do I Use

All you need to do to get a free copy of your credit report from is to provide personal information when filling out the free credit report request form.

Here are the details:

  • Name
  • Date and place of birth
  • Social Security Number
  • Residential Use

This information can only be used to confirm that you are who you say you are.

Many people fear giving out their personal information online not to fall victim to an identity theft scam, but has an outstanding reputation for being dependable and safe.

Upon confirming your identity, will lead you to the relevant website of the credit company whose report you wish to view.

In some cases, you may not have enough credit to prove your identity immediately.

You will need to wait for your credit reports to arrive by mail rather than viewing them online right away.

Other than that, doesn’t get much more complicated. The annual credit report is their only service, so there’s no need to look at other products or price plans.

If you are looking for a simple service that only requires the basics of your credit score, this is a great option.

What are the services offered?

Since is entirely free of charge, the credit reporting platform and the services that it offers are pretty minimal.

This service provides an annual free credit score from the three major credit reporting agencies (Equifax, Experian, and TransUnion).

Although it doesn’t offer all the bells & whistles of other credit monitor services, it’s still worth it.

If you wonder what is included in the fundamental free credit score when you sign up for the service, it’s surprisingly comprehensive.

Expect to Receive:

  • A listing of all loans you have taken in the past
  • Credit limits currently
  • History and payments
  • Credit information is available in the public records

This service does not include credit monitoring, credit scoring, or identity theft services. They do provide some resources about identity theft and credit safety.

Advantages of

It’s free

First and foremost, the fact that is a free service is a challenging point to disclaim.

Individuals may want continuous credit monitoring, very detailed reporting, or insurance against identity theft.

Some people prefer a minimalistic approach to keep track of their details.

The 3 Primary Credit Agencies own it.

Equifax and TransUnion are the owners of this service.

Each company can request a report through the partnership.

This gives you the ability to track your credit throughout the year rather than getting three reports in one.

This smart way to get the most bang for your bucks even though you technically aren’t spending anything.

What Sets Apart?

As mentioned previously, the price point is the one major factor that sets apart from other credit reporting services.

Unfortunately, doesn’t offer any services other than the annual credit report.

This is an issue for people who want to have a complete picture of their credit history.

The service does not provide live customer support. You can reach them through their contact form if you have any questions.

They won’t share your data with anyone. Keep them safe in the event you forget.

Despite its drawbacks, is an official government resource. It was established federally in 2003 as a requirement of the Fair and Accurate Credit Transactions Act.

It is government-sanctioned, therefore, and an excellent way to get access to your credit information. Reputation

Since it is a free government-sanctioned service, is a reputable source of credit information. You should not be afraid of being scammed or cheated.

The services offered are essential and do not provide credit reporting functions.

Although it is a reputable credit reporting service, has received a handful of valid complaints from its users. Many users reported that the process of verifying identity could be frustrating and confusing.

This is done to protect the website’s identity security. To protect the information of users, specific protocols must be put in place. is great for what it is. This is the best way to see a basic overview of your credit history from a trusted website.

You will be able to see your credit standing year-over-year. Contact Information

Contact information:

  • Address:  Annual Credit Information Request Service, P.O. Box 105281 Atlanta, GA 30348-55281
  • Phone Number: The website doesn’t list a number.
  • Website:

Should I Use is the perfect option for somebody who wants to get a basic annual snapshot of their credit from year to year.

There are many specialized credit-reporting services, but is for you if you prefer to go with a minimalistic approach to monitoring your credit.

If you don’t mind paying for additional features or credit monitoring, this service is recommended. It does require you to be open to an online identification process, which may not be easy at first.

If you prefer the extra security net of identity theft insurance, constant monitoring, and a definitive credit score, then is not for you.

There are plenty of paid services that offer these specific add-ons, but doesn’t have any kind of premium or paid option available.

This service is not suitable for serious credit monitoring but wants to do more to track credit.

For what it is, you can’t beat The federal government mandated it so that everyone could total check their credit annually.


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