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How to REALLY Get a Free Credit Report

The NOT SO Free Credit Report Many "FREE" credit reports turn out to not be so free at all.

Some people get charged a processing or handling fee, others get signed up for credit monitoring or other unwanted recurring services.

The Federal Trade Commission sets things straight on their website.

See: http://www.ftc.gov/freereports

The Fair Credit Reporting Act gives you the right to receive a copy of your credit report annually as reported by the 3 main credit bureaus: Equifax, TransUnion and Experian.

Before you fall for a "Free" credit report offer, make sure you visit the FTC's website first.

As they say on their website: Anyone can write a catchy jingle or dance a jig. Here are some ads from the FTC's website. Not too bad if I must say so:

If you have excellent credit and will be buying a $300,000-$800,000 home in the next 1-3 months and would like an agent who will work exclusively for you, make sure you get an Agent on YOUR side of the transaction! Make sure you hire an E B A! Call us at (801) 969-8989 or contact us via the link on this page.

Exclusive Buyers Agents do not list homes and never represent Sellers. They represent Buyers ONLY on the Buyer's side of the transaction. They work to get BUYERS the Best Price and Terms when they Buy...

Finally...

Posted by Benjamin Clark - Exclusive BUYER'S AGENT - Certified Negotiation Expert - SLC, UT on 04/16/2009 02:36 PM

Comments (3)

Free Annual Credit Report in the Home Buying Channel

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Originally posted at: Buying a Home in Salt Lake City, UT: How to REALLY Get a Free Credit Report

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3 Comments on How to REALLY Get a Free Credit Report

APR

Love all the commercials for free credit report dot com but I always call direct no matter how entertaining.

I've seen some of these commercials. A couple of them are really funny. And they appear to be targeting a younger audience, which is good! Hopefully it will keep them from making big mistakes with their credit.

APR

I enjoy those commercials as well. It would be nice if they were completely honest.

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