Sites like "creditrport.com" or "annualcreditrepot.com" are often phishing sites.

Ensure the site has a valid SSL certificate (the padlock in the address bar).

Be wary of sites that offer a "free" report but automatically enroll you in a monthly "credit monitoring" service for $19.99+. 🛠️ How to Safely Check Your Credit

The official site will never ask for a credit card for a free report.

Currently, you can get reports weekly (expanded from once a year during the pandemic). Official: Backed by the FTC and the CFPB .