How to Avoid Free Credit Report Scams

Before you request a free annual credit report make sure you don't get taken by a scam. Here are ways to avoid free credit report scams and protect your personal information in the process.

Difficulty: Moderately Easy

Instructions

1. THE only authorized source for the annual free credit report is AnnualCreditReport.com.

2. CHECK the spelling of the URL. Some imposter sites misspell Annual Credit Report hoping you don't notice.

3. SOME sites will redirect you to other sites that will try to sell you products, services and/or collect your personal information.

4. SOME sites use the phrase "free report" in their URL. Although they use "free report" in the URL, they will actually lure you into signing up for a free trial period. If you don't cancel, they will charge your credit card.

5. SOME sites mention "free credit scores" or "free credit monitoring." However, the Federal Trade Commission's authorized free credit report program does not offer such services.

Tips & Warnings

• AnnualCreditReport.com will not send you email or call you requesting personal information.
• Don't ever pay for a FREE annual credit report. By law you can receive this report for free every 12 months.
• Providing your personal information to "imposter" sites can result in identity theft.

Resources

• Get Your Free Annual Report
• File a Complaint with the Federal Trade Commission

[flor2729]

on 5/22/2009 Great information to know about. Thank you.

[athome]

on 5/11/2009 Step four is an old trick these scammers have been using for awhile. Thanks for the great tips.5*

[godfather25]

on 5/11/2009 Great article on avoiding scam. 5*

[cherold598]

on 5/11/2009 Great tips for reporting credit card report scams. It's important to be careful.