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Beware of add-ons.(online information on consumer credit ratings)(Brief article)
Every U.S. consumer is entitled to a free yearly credit report from each of the three major credit-reporting bureaus--Equifax, Experian, and TransUnion. The official Web site to distribute those reports is AnnualCredit-Report.com, created as a result of the Fair and Accurate Credit Transactions Act of 2003 (FACT Act). But a new report from Consumer Reports WebWatch, a Consumers Union project that investigates Web credibility, found that the word "free" in other credit-report sites might mean anything but.
[ILLUSTRATION OMTIITED]
The study looked at 24 sites, some with "free" or "credit" in their names. Most use the enticement of that free report to sell other services consumers might not need. More than half say they'll give you a free credit report and credit score--a number from 300 to 850 that summarizes your creditworthiness--if you subscribe to a service to monitor ...
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...avoid copycat "free credit report" websites that may...free copies of their credit report under a new federal...Fair and Accurate Credit Transactions Act (FACT Act...copy of his or her credit report annually from each...
