Visit Only Legitimate Sites For A Copy Of Your Free Credit Report |
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A free credit report is an important financial document that gives a detailed account of your personal information as well as your financial status. These days, there are so many sites that claim to be offering you credit report service by getting hold of all your personal details. Just a word of caution to all you guys in this regard. Divulging out any personal information to such fraudulent credit-reporting agencies could be just traps laid out by identity thieves. If you have been denied credit in the recent past on the grounds of shaky credit or if your credit card has been misused by an unknown third part, act fast to get your free credit report copy. To save you from the possibilities of identity thefts from time to time, Congress drafted a law in 2003 entitling all Americans a copy of their free credit report. You could apply for your free credit report from any of the three major credit-reporting agencies: Equifax, Experian, and TransUnion. Credit reporting agencies supply a copy of your free credit report to your insurers, creditors, potential employers, who use this financial document to ascertain your financial credibility. You can contact these credit-reporting agencies through phone or mail and apply for your free credit report copy. If your credit report has discrepancy, you can dispute the error to rectify your credit history. For this it's mandatory to provide the right proofs to kick-start the dispute process. But remember that a free credit report is not without problems. These days, there are several sites that offer ancillary services along with a credit report. More than often people fall prey to such sites. As a result, they end up paying from their pockets for something that should come to them free of cost. For example, while you shouldn't be charged a penny for your free credit report, you need to shell out extra bucks for your credit score. The other major problem is the presence of those innumerable fraudulent sites that could ruin your life. So, be wary of such imposter sites and get a copy of your free credit report only from the three major credit-reporting agencies. You could do so by visiting the website: www.annualcreditreport.com. You need to double check while typing in the web address. According to a survey by the World Privacy Forum, even the smallest of typo errors could steer you to any of those fraudulent sites that charge you for the credit reports. Just around last week, 96 of these fraudulent sites were identified with around 28 of them being operated by Experian alone. But Experian made it clear that its sites were not for selling credit reports but to prevent imposter sites from deceiving people into divulging their personal information. This way Experian was making all efforts to bring down the incidence of identity thefts. The other sites belonged to companies that charged consumers for their credit reports. In another case, Equifax, another major credit-reporting bureau reported making their site hacker-proof only to safeguard the interests of their customers. You could avert these web crimes by resorting to simpler ways of applying for your free credit report. This could be either through telephone or through snail-mail. When you apply for your free credit report copy, it's always a good idea to do it at your leisure. His way you can ward off those prying eyes that are just waiting for a chance to get hold of your personal information. So, beware of all those online sites that claim to provide you with a free credit report. |
