The growing prevalence of identity theft and increased concern about good financial health has led many consumers
to seek copies of their credit report online.Doing so is certainly laudable:the more you know about how potential creditors
and lenders see you,the more prepared you can be when it comes to apply for a loan or credit.An added bonus is that consumers
can obtain one copy of their credit report from each of the three main credit bureaus once a year through the official
web site set up for such purposes at annual Credit Report.com. Unfotunately, there are still many WEB sites that exist
for the sole purpose of tricking customers who are seeking copies of their free reports.A quick Google search for the
term "free credit report" today turned up no fewer than twenty-four million sites in the search results. These certainly
are not twenty-four million web sites that are going to provide copies of credit reports for free,so whats this all about. It's about
money.Aside from the "official" site, the others are there to profit,and they can profit in one of two different ways:
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Sell you something-Some of these sites actually belong to the credit bureaus;they have
set up to give you the credit report while selling something else to you in the meantime.These sites will offer the free report
in large letters,while telling you in smaller ones that by accepting the free report you are agreeing to buy a credit monitoring
service,which can cost you ten to fifteen dollars per month.The credit bureau-owned site will also tell you that you can
get your report for free at the"official site. That is usally stated in very small print near the bottom of the page.
Steal Somthing from you-unfortunately,there are still many unscrupulous crooks out there
on the internet who see the interest in credit reports as the ideal way to steal personal information from people.Their sites
will offer a "free" report and prehaps some other services for which you can pay.But when you fill out the application and
provide your name,social scurity number and credit card,you get nothing in return,instead the operators of these sites use
the personal information to borrow money and take out credit in your name leaving you to pay the bills....
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2006 BY Retro Marketing.Charles Essmeier owner.
