Your credit report is an important document that can affect not only your ability to get a loan, but even your ability to get a job, an apartment or insurance.  Federal law provides for you to be able to get a free copy of your credit report from each of the three major credit reporting agencies annually.  This is an important thing for everyone to do to make sure their credit report is accurate and that you have not become a victim of identity theft which is often first noticed on your credit report.

Scammers use the free credit report law to scam you in two ways.  “Legitimate” companies may offer you a free credit report, but if you read the fine print, you will learn that you also have signed up for services that you may not wish to have that the companies charge you for each month.  True scammers will set up realistic looking websites that appear to offer a free credit report, but when you input the necessary information to obtain your free credit report, such as your Social Security number, you actually are providing it to an identity thief who uses the information to steal your identity.


Criminals often flunked grammar so one thing to look for to determine if you are on the legitimate website to obtain your free credit report is to look for misspellings and grammatical errors that scammers often make.  Although the domain names for websites offering what appear to be free credit reports appear to be legitimate, the actual official free credit report website address is