At FVSBank, we understand how important it is for our clients to know and understand their credit score. Here, we’ve put together some information on how to get your free credit report and encourage you to access it annually.

To get your Free Credit Report is the ONLY authorized source for the free annual credit report that is yours by law. The Fair Credit Reporting Act guarantees you access to your free credit report every twelve months, from each of the three nationwide credit reporting companies — ExperianEquifax, and TransUnion.

The Federal Trade Commission ( has received complaints from consumers who thought they were ordering their free annual credit report, but were still required to pay fees or buy other services. In addition, TV ads, email offers, or online search results will often offer “free” credit reports, but Annual Credit Report is the only authorized source for a truly free credit report.