Under a federal law which took effect in North Dakota on March 1, 2005, a consumer is entitled to one free credit report each year from each of the three major credit reporting bureaus - Experian, TransUnion or Equifax - for a total of three free reports each year. A consumer can choose to order these free credit reports all at the same time, or order a different credit bureau's free report every few months (but only one time per year).
The free credit reports must be ordered through the national central clearing house. Consumers who request a credit report directly from one of the three national credit reporting bureaus will be charged for that information.
In order to receive a free report, a consumer must provide personal information such as a social security number, date of birth and address.
Whether consumers choose to receive a report from one of the credit reporting agencies, Experian, TransUnion or Equifax, or all three, the online process takes the consumer to the special webpage for the selected credit reporting agency.
The credit agencies also offer several additional options to choose from, including getting a credit score, but these options are not free. Consumers do not have to buy any of the additional services to get the free credit report.
Order your free credit reports through the Annual Credit Report clearing house online at: www.annualcreditreport.com.