Credit Reporting Review

Rating: 8.2 / 10 (Excellent)
Disclosure: We receive advertising revenue from some partners. Learn more. is the only official website recognized by the Consumer Financial Protection Bureau and the Federal Trade Commission where consumers can request a free annual copy of their credit reports from the three national credit reporting agencies, Equifax, Experian, and TransUnion. The site is maintained by Central Source, LLC, a joint venture by all three CRAs.

How is rated?


Credit Score & Reports
Monitoring & Tools
Plans and Pricing
Reputation & Support

Overall Rating: 8.2 / 10 (Excellent)

Federal law requires each of the three nationwide consumer credit reporting companies, Equifax, Experian, and TransUnion, to offer consumers a free credit report every twelve months upon their request. For that purpose, they created the joint venture Center Source, LLC, which manages the federally-approved website The page is dedicated to informing consumers about their Federal rights and endorsing financial literacy and the importance of credit worthiness. Those wanting to obtain a free annual copy of their credit reports can do so through, yet should be aware the enterprise does not offer credit scores or identity theft monitoring, and only provides one copy of each bureau's report every twelve months upon the applicant's request. To receive a free annual credit report, interested parties can go to the above-mentioned website or call the toll-free number provided on the site.

Credit Score & Reports

Credit Score & Reports - 7 / 10

Federal law ensures the right of all citizens to request a free copy of their credit report from each nationwide credit reporting company every year. Nevertheless, credit reporting companies are not required to inform consumers of their credit scores, which are calculated based on the information reflected on their credit reports.

Credit Bureaus Covered

Credit Report Frequency
Access to Credit Scores
Access to Credit Reports

Monitoring & Tools

Monitoring & Tools - 8 / 10 does not offer credit monitoring or identity theft protection, only a free annual copy of each bureau's credit report and credit-related information from the Federal Trade Commission and the Consumer Financial Protection Bureau. Plans & Pricing

Plans and Pricing - 9 / 10

All consumers have the right to request a free copy of their Experian, TransUnion, and Equifax credit reports from every twelve months. Those looking to monitor their credit over the course of the year should know they have the ability to request one report at a time and get their remaining reports at later times during the year. should not be confused with other websites bearing similar names and offering credit reporting services for a fee.
30-day Trial Available?
Free Report Offered?
Yes Reputation & Support

Reputation & Support - 8 / 10, registered under Central Source, LLC, does not have a rating with either the Better Business Bureau or However, a small number of consumers have complained to the BBB that Central Source failed to deliver their credit reports after they provided all the personally identifying information requested from them on Furthermore, the website only offers a contact form and mailing address for those who experience technical difficulties trying to obtain copies of their credit reports through their free service, and fails to list a contact number or email address for Central Source.
Mobile App

Customer Feedback

Number of BBB Positive Reviews
Number of BBB Neutral Reviews
Number of BBB Negative Reviews
Date Collected

Contact & Additional Company Information

Year Founded
Homepage URL
Company Phone
(877) 322-8228
Mailing Address
Central Source LLC, P.O. Box 105283, Atlanta, GA, 30348

Top Rated
Our Partner
9.2 / 10
  • Our #1 Rated Pick, A+ rating by BBB
  • Experian credit report is completely FREE
  • TRULY: No credit card required
  • Checking your own report doesn’t hurt your credit
  • Report refreshed every 30 days on sign up