What is the only authorized website by the FTC from which consumers can obtain their free credit report each year?

The correct answer is based on the fact that annualcreditreport.com is the only website authorized by the Federal Trade Commission (FTC) where consumers can access their free credit report annually from each of the three major credit reporting agencies: Experian, TransUnion, and Equifax. This site was created specifically in compliance with the Fair and Accurate Credit Transactions Act (FACTA), ensuring that consumers can easily obtain their credit reports without charge and monitor their credit status effectively.

The other options do not represent the legitimate, government-sanctioned source for obtaining free credit reports. While freecreditreport.com may suggest that it offers free credit reports, it is not the authorized source and often has strings attached, such as requiring sign-ups for ongoing paid services. The third option, creditreport.ftc, is not a functioning website at all, and annualcreditreport.gov, although it might seem plausible, is simply not the correct official site for obtaining the yearly free credit report authorized by the FTC.