Consumer Tips: How you can retrieve your federally mandated free credit report

The simplest way of accessing your free credit report is to either call or to mail for the report. Please see the tips below for more information about these ways of accessing your credit report. However, if you do decide to retrieve your free credit report via the Internet at the official www.annualcreditreport.com site, please make sure you go to the correct site. You do not have to pay to receive your free annual credit report. If you are on a site that is asking you to pay for your credit report, double check the spelling of the site, or use the call-in and mail-in methods.