What is the federally authorized website where you can obtain a free credit report annually?

The correct answer is the federally authorized website AnnualCreditReport.com, which is the only official site designated by the federal government that allows individuals to request a free credit report once a year from each of the three major credit reporting agencies: Equifax, Experian, and TransUnion. This initiative was established under the Fair and Accurate Credit Transactions (FACT) Act, enabling consumers to monitor their credit reports for errors, identity theft, and the overall health of their credit.

This site is a crucial resource for anyone wanting to stay informed about their credit status without incurring any fees. Other options listed do not serve as legitimate or authorized sources for obtaining annual free credit reports, which can lead to confusion or potential scams. Always rely on the sanctioned site to ensure the safety and privacy of your personal financial information.