Is That “Free Credit Report” Really Free?

There’s a lot a consumer confusion out there about “free credit report” offers that are advertised as free but many times require consumers to spend money on credit monitoring or other products and services. You see these offers all the time. So where do you go to get an actual free credit report? Go to the only authorized sources under federal law:

1. internet: AnnualCreditReport.com
2. phone: 877-322-8228

In an effort to prevent deceptive marketing practices, the Federal Trade Commission has amended rules governing free credit report offers. Any advertising for a free credit report must now include a disclosure statement notifying consumers that you have a right to a free credit report from the above two sources.

If your only need is to check your credit report (and it’s a good idea to do this at least once a year), go to the above sources.