Annualcreditreport.com is a website that provides free annual credit reports. This site is sponsored by three nationwide consumer credit reporting agencies: Equifax, Experian, and TransUnion.

The homepage features information about the service provided by the site, as well as a ‘Select your State’ drop down menu that begins the process of obtaining a free credit report. Visitors submit the secure online form, select which credit reporting agency they want to receive the credit report from, and are then redirected to the credit reporting agency’s site to view their report. Free credit reports contain a credit history, credit inquiries, and biographical data, and do not contain a credit score or report analysis. Visitors can purchase these extra services from the credit reporting agency they select.

The ‘Frequently Asked Questions’ section sorts questions by credit and credit report questions, and security questions. The ‘Contact us’ section displays links to the three credit reporting agencies that sponsor the website, as well as contact information and links to the FAQ section. The ‘About us’ section provides a brief overview of the service provides by the site, as well as information about the three credit reporting agencies that sponsor the site.

The ‘Fraud Alert’ link directs the visitor to the fraud related questions on the Frequently Asked Question page.