How often can I request my annual free credit report?

You are entitled to request your annual free credit report once every 12 months from each of the three major credit reporting agencies – Equifax, Experian, and TransUnion. This means you can request a free credit report from one agency, and after four months, you can request from the next agency, and so on, to maintain a regular check on your credit history throughout the year. By staggering your requests, you can ensure ongoing monitoring and address any discrepancies or fraudulent activities that may occur. It's crucial to take advantage of this opportunity to be aware of your credit standing and protect yourself against identity theft or errors in your credit report.