Monitoring your credit is important. If you need to see what is being reporting on your credit, the best place to go is www.AnnualCreditReport.com. Many places advertise a free credit report but more often than not they are not truly free. AnnualCreditreport.com is the only service that is authorized by the three credit reporting agencies: Equifax, Experian, & TransUnion. The service allows you to obtain one free credit report from each of the three bureaus every 12 months. You can request a report by mail, phone or online.