Is that credit report really free? - WTVM.com-Columbus, GA News Weather & Sports

ConsumerWatch -- Special Report

Is that credit report really free?

Those wanting to monitor their credit may get confused by commercials promising a free copy of your credit report.  At times the report may be free but the service that one subscribes to is not.

Here's an example of a place where you can get free credit reports.

FREE** www.annualcreditreport.com ** FREE

Under Georgia State and Federal law, consumers are entitled to two free credit reports from each of the three major reporting agencies every year -- for a total of six free credit reports.  Through this website you can request a free copy of your report from any of the three agencies at any time -- always free of charge.

Now here's an example of a service that is not free. 

NOT FREE ** www.freecreditreport.com ** NOT FREE

This site is backed by the credit reporting agency Experian.  You must sign up for one of Experians monitoring services, at a cost of $14.95 pers month to obtain a credit report.

You cannot request a copy from Equifax, or TransUnion through Experian - thus, making the information provided by this site, incomplete.

 

KNOW YOUR RIGHTS--- GET THE INFO

Provided by GeorgiaWatch

Opt-out of pre-approved credit offers

(888) 5-OPTOUT  or www.optoutprescreen.com

Get off mailing lists

(202) 861-2410  or www.dma.org/consumers

Order free copies of your credit report

(877) 322-8228 or www.annualcreditreport.com

Get a copy of ChoicePoint full file disclosure

(887) 497-0011 or www.choicetrust.com

Report identity theft (877) ID-THEFT
File a complaint with the Insurance Commissioner

(800) 656-2298

Get free credit report counseling

(800)251-CCCS (2227) or www.cccsatl.org

Get help from Georgia Watch

(866)  33-WATCH or www.georgiawatch.org

Info courtesy: georgiawatch.org

 

 

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