Nationwide consumer reporting companies
Equifax, Experian, and TransUnion
The big three providers of consumer credit reports.
Each of these companies will provide one free credit report every 12 months if you request it. AnnualCreditReport.com will route you to any of the three companies you select. Each company will ask you a few detailed questions to authenticate your identity. They might be questions such as asking you to verify information about an existing or closed loan. The question could ask you to identify a street address where you have never lived and you would respond that it was not an address where you lived. The purpose of these questions is to protect the security of your information.