We are easily enticed by the word “free”, and that is why free credit report scam is running rampant on the Internet. People always fall for the free report scam because keeping track of the credit report is important and they have to pay creditors to get their own credit report. Those without proper knowledge will fall into free credit report scam. The only way to avoid getting yourself into a free credit report scam is learn to recognize it and avoid it.
There is only one official website that offers credit report for free and that is www.annualcreditreport.com. Any other websites that claims to be the official websites is potentially a free credit report scam. There are no other websites that the FCC recognizes as official websites offering free credit report government and it is certainly not a free credit report scam.
Whenever you want to get your free reports, head to www.annualcreditreport.com first to get your annual totally free credit report. Proper credit report website, not those free credit report scam must tell advertise to customers to visit that website first. Any websites that doesn’t do so might be a free credit report scam. It is because the scammers do not want people to know about the real free website.
Another place to be wary of credit report scam is from spam. When you get emails or fliers about credit report, keep in mind that they might be free credit report scam. Free credit report scam will always try to advertise its scam offers to look legitimate. You should be more suspicious when the free credit report scam is sent using weird email addresses.
How to Spot a Free Credit Report Scam
A very telling sign of a free credit report scam is when you’re asked to give your credit card details. Why do you have to key in your credit card info when you are supposed to get the report for free? The free credit report scam tell you it is to validate your identity but don’t fall for it.
Never give away your credit card info to free credit report scam or any other websites that offer free services. The free credit report scam will either charge you a fee or enroll you into some membership program. The membership will wait a few days for you to cancel it or else it will start charging you its fee.
Another way free credit report scam can trick you is asking for your full personal information on the scam website form. They will ask for your full name, address, social security numbers and phone numbers.
While it may look like a valid request, the truth is that when you’ve entered your details to get a free credit report scam, the free credit report scam website would already have enough information to steal your identity.
One more thing to help you recognize free credit report scam, nothing will totally be free. You either have to wait a few days to get your credit report or pay for instant report. Free credit report scam will offer you free and instant credit reports on the spot.