what is the website authorized by federal law where you can obtain your credit report for free?

The website authorized by federal law where you can obtain your credit report for free is AnnualCreditReport.com. This site is the only official source set up by the three nationwide credit reporting companies—Equifax, Experian, and TransUnion—to provide consumers with free credit reports once every 12 months as required by the Fair Credit Reporting Act. You can also request your report by calling 1-877-322-8228 or by mailing a request form to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. This official website ensures you get your reports safely and legally without hidden charges or scams.