What is the only authorized website for obtaining a free annual credit report?

The correct answer is the website www.annualcreditreport.com, which is the only authorized source for consumers to obtain a free annual credit report, as mandated by the Fair Credit Reporting Act (FCRA). This website allows individuals to access their credit reports from the three major credit reporting agencies—Equifax, Experian, and TransUnion—once every twelve months without charge.

Using this official site ensures that consumers are receiving reports that are accurate and comprehensive. Additionally, this service is part of a regulatory effort to encourage consumers to remain aware of their credit standings and help mitigate identity theft.

Other options listed do not provide a free annual credit report authorized by federal law. For example, www.freecreditreport.com may offer free credit scores or reports but typically requires enrollment in a paid service or trial that can lead to charges. Websites like www.creditreport.ftc do not exist as official sites for obtaining credit reports, and while www.annualcreditreport.gov seems similar to the correct answer, it is not the correct domain. Understanding the variations can ensure consumers utilize legitimate resources for managing their financial health.