Annual Credit Report Review

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Annual Credit Report

rating: 5
  • Very fast service
  • Provides important information about preventing identity theft
  • Provides advice on how to amend incorrect information

Annual Credit Report Credit Reports


Annual Credit Report will provide you with a free credit report from Equifax, Experian and TransUnion once per year.

By Editorial Team | 2nd January 2019

Annual Credit Report is the official site that is legally required to provide people with free credit reports from the three bureaus once a year. It works in conjunction with Equifax, Experian and TransUnion to provide a fast and reliable service that can be used by all U.S. citizens seeking to learn more about their credit. While it is a far more basic service than some others are, it still provides a huge amount of information and has the added benefit of being completely free of charge. As long as you only need to see your report once a year, then it is a fantastic service that is fast and effective.


Annual Credit Report is a completely free service. It allows you to request free credit reports from the three bureaus, Equifax, Experian and TransUnion, once each year. However, you do not need to request all three reports at the same time, so you can actually use the service up to three times a year.


Annual Credit Report will provide you with your free annual credit reports. This means that it provides you with the reports from the three bureaus, Equifax, Experian and TransUnion. This is a useful service as it is not guaranteed that all three of these credit reporting services will hold the same information about you.

Each of the reports that you receive will include a variety of information such as the following:

  • A list of businesses that have given you credit or loans
  • The total amount of each loan, or the credit limit for each credit card
  • How often you paid your credit or loans on time, and the amount you paid
  • Any missed or late payments as well as bad debts
  • A list of businesses that have obtained your credit report within a certain time period
  • Your current and former names, addresses and/or employers
  • Any bankruptcies or other public record information

It is important to note that the free credit reports do not include your credit scores. The credit score is based upon a number of actors that the credit reporting company has received about you, and there is no legal obligation for them to supply this score. As a result, those interested in their scores will need to look at a different service.

Ease of Use

The Annual Credit Report website is straightforward to use and will provide you with access to your reports very quickly. All you need to do is fill out a form (the same form is used regardless of how many reports you are requesting) and answer some questions to verify your identity, such as;

  • Your name
  • Your date of birth
  • Your Social Security Number
  • Your home address

Following that, you will then receive the report. You are then able to save and print the reports for future reference. If you don’t want to fill out the form online then, you can request the reports over the telephone, and they will be posted to you within 15 days. In some cases, consumers don’t have enough of credit trail to confirm their identity and therefore, must receive their credit report via post. But for the majority, you will be able to read your report online after a few minutes of requesting it.

The reports themselves come from the bureaus, but they are generally easy to understand. The information is presented clearly and much of it is self-explanatory. If you do need help with understanding the reports then you will find plenty of resources on the website.

Customer Support

There is a large amount of information on the Annual Credit Report website and it will answer most of your questions. Much of this information is in the Frequently Asked Questions section and it is easy to navigate and understand. If you do have any more questions, you can reach them via an online form. It is also possible to send them letters.

Comparison to other credit report services

As previously specified, Annual Credit Report is a free of charge (no fees requested) and safe credit expert site which provides you with access to your annual credit report, there are no loopholes or hidden terms in place. As well as being the perfect stop to safely check your credit report, Annual Credit Report is also helpful for preventing and advising about identity theft. The website will simply share basic information and a few links to government websites for both topics.

Annual Credit Report lacks additional features which are widely offered by many other credit reporting companies, such as, credit scores, dispute resolution, a mobile app, or black market surveillance.

Furthermore, the service currently is not BBB (Better Business Bureau) accredited or has a rating with Trustpilot. Just shy over a hundred complaints had been made and closed within the last 3 years. However, as the business has been active for over sixteen years and has received generally positive reviews from its regular consumers, we see it as a success. It is widely credited for being one (if not, the) best free credit report site due to its collaboration with the US major consumer reporting agencies, Equifax, Experian, and TransUnion.


If you simply wish to see your credit report from any of the three official bureaus then Annual Credit Report is an excellent resource. It is completely free to use and will give you very fast access to your three credit reports. Annual Credit Report is the only official site explicitly directed by Federal law to provide credit reports, and as such, you can be sure that it is trustworthy. While very little is offered in the way of analysis or additional services, it provides the basic service it is designed for extremely well.

Reviewed by
Editorial Team
Our Editorial Team is constantly watching for new and exciting services to report on. They aim to bring balanced, honest reviews to the site to give you the best comparisons and ensure you have the knowledge to choose the product right for you. Read more.
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