The frequently advertised free credit report websites aren’t really free–there is a catch. But there is a place you can get free credit reports once a year without any traps.
Yes, you get a free report on the advertised website, but you have to enter a credit card number and sign up for a monthly credit monitoring service. That’s free, too, for 30 days, but if you forget to cancel the service after the first month, you automatically get charged for each month thereafter.
Go to www.annualcreditreport.com
On this site you truly can get your own credit reports once per year from each of the three credit reporting agencies. Consumer advocates suggest you pull one of the three reports every four months so you can monitor your own credit at no cost to you.
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