What do the three major credit reporting agencies provide consumers annually?

The three major credit reporting agencies—Equifax, Experian, and TransUnion—are required by federal law to provide consumers with one free credit report per year from each agency. This is an important consumer right because it enables individuals to review their credit history, identify any inaccuracies or fraudulent activities, and understand their credit standing. By regularly checking their credit reports, consumers can take steps to improve their creditworthiness and make informed financial decisions.

While free credit scores and monitoring services may be offered by some agencies or financial institutions, they are not a mandated annual provision from all three major credit reporting agencies. Additionally, credit repair assistance is not typically provided for free, as it often involves services that consumers can do themselves. Therefore, the provision of a free annual credit report from each of the major credit bureaus is the correct and relevant answer in this context.