The Fair Credit Reporting Act guarantees you access to a free credit report from each of the three nationwide reporting agencies – Experian, Equifax, and TransUnion – every twelve months.  The Federal Trade Commission has received complaints from consumers who thought they were ordering their free annual credit report, but instead paid hidden fees or agreed to unwanted services.  Don’t be fooled by TV ads, email offers, or online search results.  Go to the authorized source, www.AnnualCreditReport.com, to request your free report.  You can also order your report toll-free at 1-877-322-8228, or via mail.  For more information, visit www.ftc.gov/freereports.