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There are so many websites that claim to offer free credit reports. The Fair Credit Reporting Act entitles everyone to free credit reports from the three main reporting agencies once every year. If a site asks you for payment they are selling a credit monitoring service. If you get charged for your free annual report they are a scam.

There are three main reporting agencies, Trans Union, Experian, and Equifax. The American Government passed the act so you could get a free report from each of these agencies.

What does that do for you? It allows you to monitor your credit. Your credit report is available to landlords, employers and banks. Your score can determine whether or not you get a good interest rate on a loan or get the loan at all. It can ruin your chances of getting your dream job or renting a nice home in a good neighborhood.

Sometimes someone who has gotten a hold of your credit card numbers affects your credit score. Or worse yet your social security number. This will allow them to get credit in your name and ruin you. You know this is called identity theft. Not only that, banks and credit card companies can make mistakes, which can harm your credit score.

It is easy to get the reports, you can write them, call them or fill out a form on line at the official website. And since you can obtain a free one from each agency, you can get one at different times of the year. So at the beginning of the year, request one from Equifax, then in the middle of the year get one from Experian. In the fall obtain a report from Trans Union. This way you can watch your credit all year round.

If you find something not right about your report you can dispute it for free through any one of the reporting agencies. When you do, all three will be changed when corrections are made. So go to the official Annual Credit Reports website today and get your authentic free credit reports.

Discover out how to get those free credit report online quickly. There are several options for freecreditreport to get. Go online and learn more now.