Free Credit Reports Instantly

Most people are used to getting charged for everything that they are surprised when they hear that you can actually get a free credit report. This is mainly because of recent legislation passed that allows you one report every 12 months from all three credit bureaus.

There is one site for sure where you can get free credit reports. This is called Annual Credit Report.com. Here is where U.S. citizens can obtain one disclosure of their financial records every 12 months from these three agencies: Experian, Equifax, and TransUnion.

You can also seek information at this website as well as at the Federal Trade Commission website on how to report fraud. There is a such thing as an initial fraud alert which stays on your credit report for at least 90 days, and the extended alert lasts up to seven years.

There are numerous other sites that claim to offer free credit reports. However, most of these are seven-day free trials with very ambiguous terms of services and cancellation policies. There are some exceptions of course.

Beware also that you should not have to pay to put a fraud alert on your file. If you are for some reason being required to do so, you are being ripped off. Beware of this according to your federal rights.

If you want to learn more about your rights as a consumer you can read the  This info about the Fair Credit Report Act or you can visit the Federal Trade Comission website.