Your Credit Report – What You Should Be Aware Of

The mounting commonness of identity theft and amplified anxiety regarding good financial strength has led numerous consumers to seek copies of their credit reports online. Doing this is certainly admirable; the more you know about how potential creditors and lenders perceive you, the more ready you can be when it comes time to submit an application for a loan or credit. An added benefit is that customers can get a hold of one copy of their cheap credit report from each one of the three main credit bureaus once a year through a Web site intended for such purposes at CreditReportComparisons.com.

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Regrettably, there are still many Web pages that are created for the only reason of deceiving consumers who are seeking copies of their cheap credit reports. A quick Google search for the phrase “free credit report” today turned up no less than twenty five million sites in the search results. There definitely are not twenty five Web sites that are going to offer copies of credit reports for free, so what is the deal?

It is all about money. Minus the “official” page, the others are there to profit, and they can profit in one of two different fashions:

Sell you something –

A few of these sites really are owned by the credit agencies; they have designed them to offer you the credit report while selling something else to you in the meantime. These web sites will present the “free” report in big font, while telling you in tinier ones that by agreeing to the free report you are agreeing to buy a credit observing service, which can cost you $10-15 each month. The credit bureau-owned web sites will also advise you that you can get your hands on your report for free at the “certified” page. That is usually declared in fairly tiny print around the end of the site.

Take something from you –

Unfortunately, there are still countless unscrupulous crooks out there on the Internet who see the curiosity in credit reports as the ideal method to take personal information from individuals. Their pages will offer a “free” report, and maybe some extra services for which you can pay. But after you fill out the form and give your name, Social Security number and credit card, you get nothing in return. Instead, the owners of these pages exploit the private information to take money and borrow credit in your name, leaving it up to you to cover the bills.

If all you need is a free credit report, the perfect method to steer clear of this trouble is to acquire it contrasting from official ones at CreditReportComparisons.com. Alternatively, you can call the numbers given on the page to receive your report by mail. This way, you can avoid being victimized by the thousands of sites that might lead to you paying extremely for your “free” credit report.

About Emma

Emma Logan is the content coordinator of Beverly Lahaye Institute. She’s been freelancing for many years and now focuses on WordPress development and blog design