Get The Free Credit Report That You Are Entitled To By The Government

    LOS ANGELES, CA, April 22, 2011 /24-7PressRelease/ -- When does "free" mean "you have to pay for it"? Answer: In advertisements on TV and the Internet promising you a "free" credit report! Sadly, what you actually end up with is a charge of $40 and/or regular monthly charges to your credit card.

Can you really get a free credit report, and should you?

The answer to both questions is yes. You are entitled to a free credit report once a year. Ensuring that your credit report is accurate is important. But there's no reason to be scammed. You don't have to pay a single penny to get your credit report or to correct mistakes on it.

There are many credit reporting sites online claiming to offer a Free Credit report, but when you read the fine print, you actually realize that they are enrolling you in a program, which comes with monthly charges.

Under the Fair Credit Reporting Act, credit bureaus must furnish you with complete credit reports. The same ones it sells to banks and all businesses that use this information. The law ensures that you have access to:

A free credit report each year
The name of anyone who has received your credit report
A copy of your credit report each time a credit application is denied
A 100-word explanation included on your credit report, if you cannot resolve a problem with a vendor

How can you get a genuinely free credit report? It is easier than you might think. But, there is only one website authorized to provide it to you, and it is none of the websites you see on TV or the Internet.

Website: http://www.consumercreditwatchdog.com

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