Have You Been Deceived By Internet Sites That Offer So Called Free Credit Reports

Don't pay for this service, the Fair Credit Reporting Act allows you to get free credit reports from three different agencies each year

. There should be no fee. If you are asked for a credit card you are signing up for a paid monitoring service, which you don't need. If you have already paid for a report you were taken for a ride and the site stole from you.

The American Government allows you to get a report from each main reporting agency. These agencies, Experian, Equifax, and Trans Union are each required by law to give you one free report every year.

Why would you want to get these reports? These reports determine how much money you can get from a loan and how low the interest rate will be. A bad report can actually keep you from getting a good job and a nice apartment or house rental.

Checking your report allows you to catch identity theft before they ruin you completely. Reporting agencies and banks can make mistakes. You can dispute any mistake or unauthorized charging on your credit cards or obtaining credit using your social security number. It happens frequently these days with all the buying we do on the Internet.

Getting your reports is easy. Go to the annual report website and fill out an online form. You can also phone the agencies as well as get a form, fill in the information and send it through the mail. To check your credit all year long, get a report from each agency at different times of the year. That way you can check it often and catch any unauthorized use of your identity.

If you find something not right about your report you can dispute it for free through any one of the reporting agencies. When you do, all three will be changed when corrections are made. So go to the official Annual Credit Reports website today and get your authentic free credit reports.

by: Jim Hammond

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