You would have come across many tempting advertisements of websites that claim to offer free credit reports. Be cautious before you sign up for any such service as it may not be the credit report that you are looking for.

Only the Federal Trade Commission gives three free credit reports every year. You can get one credit report each from the three main credit reporting companies, Transunion, Experian and Equifax without any charges once in a year. These free credit reports are available on annualcreditreport.com. [Read more…]