Is FreeCreditReport.Com Really Free?
Consumers are subject to an overwhelming mountain of buzz about credit reports. It's difficult to determine what is important and more so, what is the best resource available.
"Free," in advertising, sounds great... but "free" doesn't always mean 100% free. There are often "strings" attached.
You may click on an offer for "free" credit report, but will soon find that to obtain the report, you may have to subscribe to another offer, such as a credit protection service. This service often has a fee attached. The service offer typically has a free trial period, but if you do not cancel the service in a short time window (sometimes as short as 1 week) you will be billed for the service.
Suddenly, the "free" credit report now has a cost by association from the trial service offer commitment.
Don't be sucked in by these "hidden" fees. You can obtain your credit report for free-100% free.
In compliance with consumer rights to obtain a copy of their personal credit report once per year, the three nationwide consumer reporting agencies created AnnualCreditReport.com http://www.annualcreditreport.com
AnnualCreditReport.com is the free, no strings attached website set up by Equifax, Eperian, and TransUnion. Consumers can utilize the website to obtain a free credit report from each of these credit reporting agencies, once per year. No strings attached.
The website has other offers for credit monitoring services and credit score reports, BUT, the difference is you do not have to enroll in any of these services to obtain your free credit report. Your free credit report is indeed, free on AnnualCreditReport.com
If you prefer to request your credit report via phone or mail, AnnualCreditReport.com offers phone verification services at (877) 322-8228 and has a link for a printable form for mail-in requests at https://www.annualcreditreport.com/cra/order?phone
Looking for more information regarding your credit options? Check out:
How To Obtain Your Credit Score
http://www.associatedcontent.com/article/394348/how_to_obtain_your_credit_score.html?cat=3
Do You Owe Too Much On Your Credit Cards?
http://www.associatedcontent.com/article/399630/do_you_owe_too_much_on_your_credit.html?cat=3
Published by Barb Webb
Author/ Freelance writer, Barb Webb is a Paper Crafts Expert, Cost Cutting Expert and one Internet-savvy Mom! In addition to being a Featured Crafting Contributor for Associated Content, Barb is the Paper C... View profile
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2 Comments
Post a CommentThanks for the info -- I had never heard about the strings attached to FreeCreditReport.com. I should've guessed they'd be there!
Well written piece.