We?ve all seen the ads for ?free credit reports? in our email and on various websites.
But are most free credit report offers real?
Unfortunately, most are not actually free. In fact, most require a monthly ?credit monitoring? or other fee ? one that most people really don?t need.
Under the Fair and Accurate Credit Transactions Act (FACT Act) consumers can request and obtain a free credit report once every 12 months from each of the three nationwide consumer credit reporting companies ? Experian, Equifax, and TransUnion.
To get your copy, visit www.AnnualCreditReport.com and you can order your credit report online. Or if you prefer, you can make your request by phone or mail.
Other websites that claim to offer ?free credit reports,? ?free credit s View the rest of this article
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