Annualcreditreport.com Is The ONLY Official Site To Get Your Free Annual Credit Report
Most of you have probably seen those annoying commercials for freecreditreport.com. What they don’t tell you is that your credit reports aren’t actually free: you have to agree to enroll in a 7-day trial of their Triple Advantage Credit Monitoring Service, which is reportedly very difficult to cancel after you get your free report. How convenient for them.
So many people have complained about this site that the Federal Trade Commission has taken it upon itself to create a series of hilarious parody commercials to get the word out that sites like freecreditreport.com are essentially scams. It’s not quite as catchy as the original, but I’m surprised but I was amused by the bluntness of its accusations. Check it out.
Annualcreditreport.com Is The Only Site To Get Your Free Annual Credit Report
If the video or title didn’t make it clear enough, annualcreditreport.com is the site set up by mandate of the federal government and run jointly by the three major credit reporting agencies. As a consumer, you are eligible for a free annual credit report from each of the three major credit-reporting bureaus through that site. Any other advertisement you see for free credit reports is either a scam or requires you to sign up for some sort of trial, which you’ll probably forget to cancel. Why even bother? Annualcreditreport.com is free, overseen by the government, doesn’t require a membership, and will never charge you for anything.
Unfortunately, the legislation only grants you access to the report itself and not your score, which is what lenders actually look at. If you aren’t in the market for a loan, checking each report once a year for errors is more than enough to monitor your credit and allow you to get suspicious items removed; however, if you’re in the market for a loan in the near future, say for a mortgage or auto loan, it would be wise to check your actual score. By far the easiest and least expensive place to purchase your Fico Scores/Reports is through myFico.com
, the official website set up by Fair Issac, the company behind the Fico score. If you prefer, you could also get your Equifax report + Fico score
for around $15 from Equifax, which I thinkrt.c is a decent price.
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You know… I appreciate what you’re saying here. I got suckered into some credit tracking company at one point and wasted hundreds of dollars. What a waste!
On 11-12-09 Iexperienced the most quick and easy way to my credit report thank you.
You know, it is a bad idea to get your credit checked often. It doesn’t do you any good. Do you pay your bills on time? Then you probably have good credit. I get an annual report for free from Wells Fargo, and that is more than enough.