Only one website, www.annualcreditreport.com, truly offers free credit reports with no catches or requirements. Other websites that offer free reports want to sell you something or sign you up for memberships. The real site is mandated by federal law, and the three credit bureaus have to give you free credit report copies through it without forcing you to sign up or order anything else.
How can you tell if you're at the right website? You should always use the URL www.annualcreditreport.com. If you accidentally visited another website, one big clue is that it will likely ask you for a credit card number and expiration date for the required order or trial membership. Your card will be billed for whatever the site made you buy, or you'll rack up monthly charges when the trial membership is over. The real free annual credit report website doesn't make you enter a credit card number because it's not selling you anything. It will make you verify your identity through your Social Security Number and verification questions.
My Kindle book on free credit repair tells more about ordering and using your free credit reports to fix bad credit. Repair your credit for free at least once a year by getting and checking your free credit reports and using them to dispute bad items.
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