The safest way to access your free credit reports is by directly visiting AnnualCreditReport.com. Avoid searching for "free credit report" online as many companies buy ads to direct you to their paid services. Stick to the official website to avoid hidden fees and traps. Before you do though, check out our Free Guide to navigating that website and making sure you get what you want!  

Michael F. Cardoza, Esq.
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U.S. Marine & Consumer Financial Protection Attorney helping victims of ID theft and Credit Reporting errors.