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Bush signed into law the Fair and Accurate Credit Transaction Act.One of its provisions required each of the three major credit bureaus (Experian, Equifax, and Trans Union) to provide consumers free access to their credit reports every 12 months.

However, since going live, the site has been the source of quite a few complaints: The similarly titled Free Credit took a lot of criticism for its similar sounding name (side note: they now focus on their other site, Free Credit instead).

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But in all fairness, it’s not like Annual Credit has the best name either. Because with the word “annual” in there, many people assume that means once per year.

They think it means they can check their credit report from each of the three bureaus once per calendar year. Rather than going by calendar year, it goes by every 12 months.

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