When we speak of free credit report scams, they are not actually scams in the strict sense of the word. As long as you know what you’re getting into you are in no danger of being misled. The one most important thing that you should know is that there is only one source for getting your free annual credit report from the credit bureaus as mandated by the fair credit reporting act of the federal government. This source is www.annual credit report.com. This is the only website that is related by all of the three national credit bureaus and provides you with your annual credit report for completely free and no obligations.

Now become to the dozens of other websites that claim to be afraid you a free credit report. Most of these websites are trying to sell you credit monitoring service and want to lure you into trying out their offers by offering you a free credit report. Most of these websites offer a free trial period to their credit monitoring service which can be for 7 to 30 days. During this time you will quite possibly be able to access your credit report for multiple numbers of times. However in case you forget to cancel your subscription when you’re still in the trial period your credit card will be charged for the next billing cycle. One might go as far as to call these websites imposter sites because many of them claim to be a provider of free credit reports whereas there real business is that of getting people to subscribe to their credit monitoring service. It is estimated that a large percentage of people forget to cancel the subscription offer within the trial period which means that they can’t wittingly end up paying money to these websites when that was the last thing that they wanted to do.

How to Avoid Free Credit Report Scam

Since they’re all several dozens of websites offering free credit report, all you need to do is try and remember the URL of the only websites that gives you your free credit report without any obligations. This website address this annual credit report.com. You can type this address straight into the browser window off your browser.

Always remember that the website off www.annualcreditreports.com will never ask you to enter your credit card number. Your free credit report according to the fair and accurate credit reporting act will not require you to enter a credit card number.

If you’re signing up for a trial offer of any kind then you’re not on the government approved website for your free credit report. As long as you remember to cancel your subscription before the trial period if you do not want your credit card getting charged with anything from $10- $40.