All of your credit history is contained in a document called a credit report or credit record.

Everyone is allowed to get a free credit report from each of the three main credit bureaus every 12 months. The Web site at www.AnnualCreditReport.com lets you securely get your free credit report once a year from each of the three nationwide credit bureaus.

AnnualCreditReport.com is the only service authorized by the three nationwide credit bureaus — Equifax, Experian, and TransUnion — for this purpose.

Other Web sites promise free credit reports, but be careful! Usually, all they really promise is a FREE TRIAL.

AnnualCreditReport.com is a reputable, safe company. It will not save your information for future marketing purposes. We recommend them highly.