Which of the below is authorized by the FTC to provide a free copy of your credit report?

Study for the FDIC AIDT Ready-To-Work (RTW) Money Smart Exam. Practice with multiple-choice questions, each with hints and explanations. Prepare for your assessment!

The correct answer is associated with the official website where consumers can obtain free copies of their credit reports as mandated by the Fair Credit Reporting Act (FCRA). This law entitles individuals to request a free credit report once every 12 months from each of the three major credit reporting agencies: Equifax, Experian, and TransUnion. The website in question, which offers this service, is specifically designed to ensure the legitimacy and safety of obtaining your credit report.

AnnualCreditReport.com is the only site directly authorized by the Federal Trade Commission (FTC) for consumers to access their free credit reports. This is vital for people to monitor their credit health regularly, dispute inaccuracies, and help prevent identity theft.

Other options either do not provide the legally mandated free credit report or may lead to services that involve fees or subscriptions for additional credit monitoring and reporting services. It’s essential for consumers to use the correct, authorized site to ensure they are receiving their reports without unwanted charges or services.

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