free credit report scam

Many people may still not be aware of an amendment to the Fair Credit Reporting Act (FCRA) that Congress last year. This amendment allows U.S. citizens to a copy of your credit report for free once per year. The plan is rolled slowly to avoid overloading the system, but the people in the West and Midwest can their credit reports, and everyone will have the option of a free credit report by September this year. Persons a copy of your credit report should watch out, because not everyone who promises a "free" credit report is actually delivering one.

These free credit reports are available on the official website: http://www.annualcreditreport.com. For more information, visit the Federal Trade Commission website http://www.ftc.gov/credit. Received a copy of your credit report through this site is easy and only requires your name, social security number, date of birth and address. That would be relatively easy, but there are many companies, some legitimate and some are not that interested in the activities of those who have copies of the credit report, and scams are flourishing.

Some companies have websites with addresses that are very similar to the address of the official website. These sites promise a free credit report, but they are really only interested in harvesting your personal data. In addition to stealing your name, your social security number and address, these sites can also tell you that the credit card number is needed to "verify" your identification. With this information, the people running these sites, you can steal your identity! There are many other sites that promise "free" credit reports, but few that actually charge for them. One such place is currently for credit report fraud. The site promised a "free" report, but requires a credit card for "identification" purposes. Customers filled out the form and receive a copy of your credit report, but also a charge on their credit card for $ 79th Other unscrupulous companies a direct approach by using spam e-mail that promises a free credit reports. These spam messages are almost always "phishing" expeditions, just to keep your personal data. If you are interested in receiving a copy of your credit report, you should avoid, to the e-mail advertising.

It is a rare occasion when you something for nothing. You can, however, a copy of your credit report for free once a year. However, please note that not everyone who is promising you a free credit report intends to provide you with a.