] AnnualCreditReport.com is a centralized service for
] consumers to request annual credit reports. It was
] created by the three nationwide consumer credit reporting
] companies, Equifax, Experian and TransUnion.
]
] AnnualCreditReport.com processes requests for free credit
] file disclosures (commonly called credit reports). Under
] the Fair and Accurate Credit Transactions Act (FACT Act)
] consumers can request and obtain a free credit report
] once every 12 months from each of the three nationwide
] consumer credit reporting companies.
] AnnualCreditReport.com provides consumers with the secure
] means to do so.

FACT Act: Forces free credit reports every 12 months