A credit report is an official report that shows a person’s credit history, including payments they have made on debts, including previous rent or mortgages, bills and utilities, credit cards, and loans. There are three national credit consumer reporting agencies, including Equifax, Experian, and TransUnion. Every U.S. citizen is entitled to a free annual credit report that can be accessed at annualcreditreport.com. This free annual report does not include a consumer’s overall credit score but rather provides a list of accounts so that consumers can confirm that there is no erroneous data. Consumers seeking to access their free credit report online should be vigilant for impostor or copycat sites that may be looking to scam or steal the identity of visitors. In addition to the three national credit consumer reporting agencies, there are also a handful of national specialty consumer reporting agencies, including Innovis, PRBC, and Teletrack.