Credit Reports Nuts & Bolts: Part 2 of 6 – How to avoid credit report “rip-offs”

[categories: Washington Bankruptcy Attorney]

The only true "free" credit reports are linked with www.annualcreditreport.com.

Beware of not-so-free credit reports says the National Consumer Law Center in their publication "Surviving Debt" available at www.consumerlaw.org, for about $20.00 – this is a great book, by the way and you should order it.

Some of these "free" credit report offers are not really free, but rather are introductory teasers that convert to an expensive subscription service. The new Credit CARD Act requires these businesses to now put a warning in their advertisments stating: "This is not the free credit report provided for by Federal law. To get your free report, visit www.AnnualCreditReport.com or call 877-322-8228.

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