There are many credit report sites on the web. Many of them claim to be free, but there is only one website approved by the Federal government that gives free credit reports, that website is AnnualCreditReport.com. This website will allow you to obtain one free credit report per year. Do not be misguided by other websites, claiming to be free. Brent Adams & Associates' North Carolina bankruptcy attorneys encourage individuals in the early stages of navigating bankruptcy to be cautious when using free credit report sites. Some of these sites could compromise your personal information. Some individuals prefer to contact each credit bureau individually, which is safer than using obscure websites that are not federally-authorized like the site noted above. All three federal credit bureaus, Equifax, Experian and Transunion, provide a free copy of every individual's credit report once per year.