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How Do I Request A Free Credit Report?
You can request your free report online, by phone or by mail.

Visit the only authorized site to get your free credit report under law, AnnualCreditReport.com,
call 1-877-322-8228, or fill out the Annual Credit Report Request form and mail it to: Annual Credit Report Request Service, PO Box 105281, Atlanta, GA 30348-5281.

No matter how you request your report, you have the option to request all three reports at once or to order one report at a time.  By requesting the reports separately, you can monitor your credit more frequently during the year.

The FTC has received complaints from consumers who thought they were ordering their free annual credit report, but instead paid hidden fees or agreed to unwanted services.  The FTC says, "Don't be fooled by TV ads, email offers or online search  results.  Go to the only authorized source to request your free report. 

Resources You Can Use

Smart About Money
www.smartaboutmoney.org
Comprehensive website filled  with everything you need to navigate life's financial ups and downs.  Contains "economic survival tips.  Produced by the National Endowment for Financial Education

Consumer Credit Counseling Service
www.cccs.net
Information on how to manage your debt and maintain or repair your credit.  Non-profit organization.

My Money
www.mymoney.gov
U.S. government website dedicated to teaching all Americans the basis about financial principles.  Includes free toolkit, calculators, retirement planning.

Better Business Bureau
www.bbb.org
More than just a way to check out businesses and charities, this site contains a wealth of timely consumer news.  Click on the "For Consumers" button and go to Resource Library.  www.bbb.org/us/consumers/resourcelibrary

National Foundation For Credit Counseling
www.nfcc.org
Great info on how to find reputable consumer credit counseling services.

Annual Credit Report
www.annualcreditreport.com
The ONLY authorized source to get your free annual credit report under federal law.  The Fair Credit Reporting Act guarantees you access to a free credit report from each of the three nationwide reporting agencies every 12 months.

The information and tools in these websites will give you and your family the freedom to make wise consumer choices. 

Your Shortcut To Sound Consumer Financial Info
As a consumer, you need all the financial info you can get!

However, busy people need help in a hurry.  Even with conventional search engines, sifting through all the search results takes time.

To help you find sound consumer financial information, we've listed the most respected and information-packed websites around.

These websites are developed for the public--they are not "for-profit" companies trying to make a buck off of consumers.

Instead, these sites give you free access to money management information, free tools, and consumer information to help you make the most of every dollar! 

Reality Bites:  Personal Finance Websites Target Younger Consumers
Edgy, entertaining, websites have sprung up geared toward teens and young adults.  

The sites use real life examples from users themselves to drive home personal finance lessons.

At Spendster.org, users can post their own examples of success or failure managing their money.

Econ4U.org gives practical, easy to understand financial literacy info along with proven tools and calculators.

BizKid$ is an Emmy® Award winning PBS series where kids teach kids about money and business.  The website,
BizKid$.com uses interactive games and videos to engage and teach.