Many services claim to offer free reports, but often come with hidden fees, strings attached, or unnecessary upsells. AnnualCreditReport.com is truly free and offers reports from all three credit bureaus in one place, without trying to sell you additional services like credit monitoring or identity theft protection. Plus, it doesn't require you to give up any legal rights. 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.