This is the only official website established by the three major credit bureaus as mandated by the Fair Credit Reporting Act, which is enforced by the Federal Trade Commission. This site will allow you to get all three of your credit reports for free once a year. You can download and save them onto your computer or phone. You do not need to print them. You should save them so that you can see if any information has been added or deleted over time. Other sites with similar names have been set up by companies to get you to pay for your credit reports and to sell you other services that you do not need. You do not have to get all three at once. Once you download your credit reports, you can email them to our office for review. Only use this website for a free credit report. You do not need your credit score. Do not buy it now. Your can always buy it later if you want. Some credit card companies will provide you with your credit report and score as a part of their service.