A Free Credit Report Annually - It's Federal Law

I was doing some research, and federal law mandates that the major credit reporting agencies make available a credit report to the consumer once a year for free. The major credit reporting agencies are:
1. Experian.
2. Equifax.
3. TransUnion.
Before I started doing this research, I realized that various companies give a free credit report by signing you up for some sort of credit protection. The catch is that the first month is free, and the months thereafter, you're paying for some sort of membership.

THE GOOD NEWS is that you can ask for your credit report without joining anything. In fact, you can retrieve one free credit report from each of the three companies listed above annually. The link to the web address where I got mine is below. Hope this is helpful to you out there.

AnnualCreditReport.com