AnnualCreditReport.com is a website jointly operated by the three major U.S. credit reporting agencies, Equifax, Experian, and TransUnion.
[2] Accordingly, the three major credit reporting agencies, Equifax, Experian, and TransUnion created the joint venture company Central Source LLC to oversee their compliance with FACTA.
Access to the free report was initially rolled out in stages, based on the consumer's state of residence.
In March 2021, it was announced that the website would offer free credit reports to all Americans weekly through April 20, 2022.
Their July 2005 study found that there were 233 domains with names very similar to AnnualCreditReport.com, of which 112 routed users to a variety of unintended destinations, including for-fee services, "link farms" and pornographic sites.