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Online Free Credit Report: Protect Yourself from Being Conned

By Ruth Racey
Published: Friday, October 16th, 2009

Getting a free credit report every year is now possible. This is because of a government law passed several years back as a measure against heightened identity theft. This report can be sourced online where summaries from three major agencies dealing on this could be found. However, be aware that credit scores are not part of the information in these statements.

Since it is now possible to get these free reports on the Internet, identity thieves and con artists have seen it as an opportunity to reel people into their schemes. They created their own websites where credit reports can also be availed of. The catch here is that these swindlers are earning from credit statements that you are supposed to get for free. There are now more than 100 websites on the Internet offering services by providing these reports.

Knowing How Online Scammers Operate

There are two usual modus operandi used by these online swindlers. They will either ask for a small amount of payment for a report that is supposed to be free or they will ask for information like your credit card or social security number. With these personal details, these con artists are already able to make use of your account to their advantage. As a result, your impeccable charge rating will be messed up.

Now that you are aware about online scams like these, it is time to protect yourself against them. Be mindful of how these websites appear on the Internet. Usually their names are quite similar to the official agencies giving out credit reports. However, with a keen eye, you will be able to see that their names have typo errors. Another blatant thing is that they do charge you for something that should be availed of for free.

Even if a website does not charge you anything, be cautious if they ask for your credit card information. Giving out this kind of personal detail would be like exposing yourself to the scam wolves out to steal your identity. Should you get an email about a special offer or a sale from one of these websites, take care to scrutinize the fine print and know what you are getting yourself into before sending a reply.

Doing this can help you avoid problems with your account. In the end, the safest way to obtain a credit report is to get it straight from the bureaus themselves.

Equifax, Trans Union and Experian are the three official national agencies qualified to give out the free credit statements you need. So if you need to keep track of your credit, contact them, and you will never be scammed.

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