KNOW YOUR CREDIT!!! It's time to check your Free Annual credit report. Under US Federal Law, you are allowed 1 Free annual credit report from each of the 3 Major Credit Reporting companies. The link below is provided by the Federal Trade Commission. TIP: We suggest freezing you credit report with EACH credit reporting company (Equifax, Experian, and TransUnion) -- so this basically prevents anyone from opening an account under your credentials.