AnnualCreditReport.com
Overview
AnnualCreditReport.com (ACR)
Goals
- Provide consumers with free access to their credit reports from the three major credit bureaus once every 12 months.
- Enhance consumer awareness and protection against identity theft by making credit report access straightforward and secure.
- Help consumers monitor their credit history to ensure accuracy and detect unauthorized activities.
Sponsor
- Federal Agency: FTC
- Sponsoring Office: Bureau of Consumer Protection[1]
Creation
AnnualCreditReport.com was created in response to the FACTA, which amended the Fair Credit Reporting Act. This legislation mandated that consumers have the right to receive a free credit report annually from each of the three nationwide consumer credit reporting companies.[2]
Funding
The website operates through the collective resources of Equifax, Experian, and TransUnion, which are required by FACTA to provide free credit reports. There is no specific public disclosure of funding amounts, as the costs are absorbed by the credit bureaus. Funding for this service began upon the site's launch in 2004 and continues indefinitely as required by law.[3]
Leadership
The program does not have a single leader but is managed by the collective efforts of the three credit bureaus under the oversight of the FTC.
Website
https://www.annualcreditreport.com
Social Media Accounts
- No official social media accounts are listed for AnnualCreditReport.com.
Wikipedia article
[wikipedia:AnnualCreditReport.com](https://en.wikipedia.org/wiki/AnnualCreditReport.com)