Don't Enter Credit Card Data For 'Free' Credit Report
Q: After reading about how to get a "free copy of your credit
report", I went online and without my knowledge was directed to
FreeCredit.com. They thanked me in an e-mail for my membership to
Triple Advantage Monitoring. I am so upset that this company has all of
my important personal information, along with my credit card
information. Please inform all of your readers of this unbelievable
A: You’re not the only one to be fooled by a Web site purporting to
offer “free” credit reports and scores. However, there are a couple of
places to get a truly free copy of your credit report online:
AnnualCreditReport.com and CreditKarma.com.
AnnualCreditReport.com is a Web site sponsored by the three main
credit reporting bureaus, Equifax, TransUnion, and Experian. It will
not ask for your credit card information (that should have been a red
flag for you) unless you purchase a credit score.
Credit Karma is a Web site that offers a TransUnion credit score.
When I signed up, it did not require me to input a credit card at all.
CreditKarma works by offering you credit cards that match your credit
profile. But you’re under no obligation to apply for any of the deals
Any Web site that purports to give you a “free credit score” or a
“free credit report” but which asks for a credit card number to
generate your “free” score or report should be avoided.
Visit ThinkGlink.com for more information about credit cards and identity theft.