There are numerous websites that claim to offer you a free annual credit report. That sounds wonderful, who would want to pay for a free copy of their credit report, when they can get it for free at least once a year? The problem is that the majority of the sites claiming to issue the free credit report are not really giving it away for free, you will be required to give a credit card number for a trial offer and if you forget to cancel, you will be charged.
The only site that you should use to get a one hundred percent free yearly credit report is AnnualCredit Report.com. That is the only website that the federal government has made official to receive the report for free.
Typically what will happen is that other companies will make up a name that is similar to the official site that the government wants you to use. They do this with that the hope that you will be confused and think you are signing up for the real site, but actuality your credit card will be charged on a regular basis until you realize the charge and wonder what is this? How they get your credit card number is that you give it to them, without reading the small print on the website.
Some advertisers have even become creative in trying to trick you into going to these websites. The one site that most people flock to is the one that is freecreditreport.com. It is quite understandable, you see the word free, so you naturally think there is going to be no charge. The reason people tend to remember the name of this site is because they even have a catchy jingle out to help you remember it, scratch jingle from memory it is not free.
You should obtain a free copy of your credit report yearly. One has to remember that the name of the correct website to get the free report is, AnnualCreditReport.com. Anything else is not free and will eventually wind up charging you.
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