AnnualCreditReport.com
Federal Law mandates that your credit report be made available to you freely on an annual basis. The three credit bureaus, Experian, Equifax and TransUnion all make your annual reports available. You are able to get one free report at a time, but keep in mind your other reports most likely will be reporting data the one you received do not.

Fair Credit Reporting Act
As credit scores became more and more important to the everyday life, it became apparent that some laws governing the credit bureaus were needed. The Fair Credit Reporting Act (FCRA) is the law that governs the credit bureaus and protects consumers.

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