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The truth about online credit reports

So many people are concerned about identity theft and the status of your credit report today. But with so many companies that claim to offer a free report, it is no wonder consumers are confused and overwhelmed about how to obtain information they need. The truth is that many companies are not primarily interested in giving free credit report because they are making money from you with your other products and services. How does a consumer know where to get the information they need?

The Federal Trade Commission is your friend

The Federal Trade Commission, a federal agency created to protect consumers, is the only place online that offers a truly free credit report from Experian, Equifax and TransUnion. You can receive all reports on your credit 12 months without any condition. Consumers are often not even aware of their right to review their credit reports at least once a year, much less get a government agency.

Difficulties in obtaining your credit report

Other companies that invite on its website that shows you will receive a credit report. Once at the site, you will often find that sometimes you have to buy other products or services before your report will be issued to you. That's fine if you are interested in other products and services, but most Once consumers only want to see their records credit.

You can see the ads on TV or Internet, or listen to ads on the radio companies that offer free credit reports. Please that when you visit the Web site they may be forced to buy products or services before receiving a report on the status of your credit. The FTC receives many complaints from consumers who have fallen into this trap of credit report. In fact, we encourage reporting of any Web site e-mail that you are.

How to get your Free credit report

The FTC advises consumers who can not get your free credit report directly from Equifax, TransUnion and Experian. You must contact with these companies directly to the page of the FTC. Just type "annual credit report" and look for the official site of your search engine. There many websites that have names similar to the one, so make sure you're in the right place, write your research carefully. The site will guide you through of the appropriate steps to receive a free report on the status of your credit.

Consumers usually the type of key phrases such as "number of credit Free, "" free credit "and similar expressions only to land on a website that wants to sell something is not necessary. Avoid the use of this research in the future to avoid spam sites.

You can get your annual report with the condition of your free credit. You can keep an eye on history credit in these days of high rates of identity theft. Just know where to get the information you need.

About the Author

Gene Pimentel is the author of “Identity Theft Trap” and other informative
personal finance publications, freely available at his resource site
JustCreditReports.com and
IdentityTheftTrap.com

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