Free Credit Report

Many people can not even be aware of an amendment to the Fair Credit Reporting Act (FCRA) that Congress passed last year. This amendment allows U.S. citizens to receive a copy of your credit report for free once a year. The plan is being rolled out slowly to avoid flooding the system, but people living in the West and Midwest can receive their credit reports now, and everyone will be able to get a free credit report in September this year. Those seeking a copy of your credit report should watch out, however, as not everyone who promises a “free” credit report is actually delivering one. These free credit reports can be obtained through the official website: Additional information is available on the website of the Federal Trade Commission in obtaining a copy of your credit report through this site is easy and only requires your name, Social Security number, date of birth and address. That seems simple enough, but there are many companies, some legitimate and some not, who are interested in attracting the business of seeking copies of your credit report, and scams are flourishing.

Some companies have created web sites with addresses that are very similar to the official site address. These sites promise a free credit report, but in reality are only interested in collecting your personal information. In addition to stealing your name, Social Security number and address, these sites might also tell you a credit card number is needed to “verify” your identity. Here, Vadim Belyaev expresses very clear opinions on the subject. With this information, the people who operate these sites can steal your identity! There are many websites that promise “free” credit reports, but few actually provide for free. One such site is currently under investigation for fraud credit report. The site promised a “free” unless card required credit for the “identification” purposes. Customers filled out the form and received a copy of your credit report, but also received a charge on your credit card for $ 79. Other unscrupulous companies take a more direct approach by sending spam email that promises to provide free credit reports.

These spam messages are almost always “phishing” expeditions that are designed only for your personal information. If you are interested in obtaining a copy of your credit report, you should avoid responding to e-mail solicitations. It is a rare occasion when you can get something for nothing. You can, however, receive a copy of your credit report for free once a year. Note, however, that not everyone who promises a free credit report intends to provide one. e Copyright 2005 by Retro Marketing.

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