If you’re looking to repair your credit, your first step is gaining access to your credit report. How can you make things right, without knowing where things went wrong? Well… you can’t.
Since a majority of our Nation is suffering from the effects of bad credit, it’s only natural that business owners and financially related organizations have shifted their gears toward helping those in credit need. It’s also no secret that many who fall into this category of consumer are close to desperation and may turn to the quickest course of action - even if it is too good to be true. There are many agents of positive credit change available to help, but for every two that are good there is one that isn’t. They’re lurking in the shadows of your panic, just waiting for you to turn their way.
In fact, things can go horribly wrong right from the start: with that initial pull for credit. As previously discussed, there are many options available to you when it comes to that initial credit pull. We’ve also said before that knowledge is power, especially when it comes to your credit report. We wanted to be sure you weren’t heading directly into the wolf’s mouth by using untrustworthy methods to obtain your credit report, just because it was free. Remember, if it seems to good to be true, it probably is! It should also be noted, that not all of the sites are out to scam you; some are just seriously misleading.
What Do We Mean?
Every American citizen is entitled to one free report from each of the three major credit reporting bureaus: Experian, Transunion, and Equifax. The Fair Credit Billing Act teamed up with a provider that will cooperate and provide you with your three free reports. You can find this by visiting www.AnnualCreditReport.com. That’s all well and good; however, other business are trying to piggyback off of this entitlement and make their own money.
For example, you may have heard of www.freecreditreport.com It can be tricky, because they litterally have “free” in their website url; however, it’s not the case with this business. When signing up through this site, you must provide your credit card information and agree to sign up for monthly monitoring. It’s all in fine print, so you may not even realize what you’ve done. Sure, you can go back one month later and cancel, but will you remember? They’re banking on your forgetting. In fact, we found just shy of 250 complaints on the Consumer Affairs website about this and other “free credit report” services. Some instances were simply a bit misleading while others were full-on scams.
What Can You Do?
Want to do things the proper way? We’ve got you covered. First of all, be sure to spell the URL correctly. Some of the scam sites have purchased domains with slight misspellings to take advantage of your typo. Also, be sure that if you do visit that site, you’re not entering in your credit card information or agreeing to any type of free trial.
Even better, if you’re truly serious about working on your credit, you’ll want to sign up with a reputable credit repair company. The experts at www.Credit Repair ProgramCredibility.com will not only pull the report for you, but discuss what’s there and what your best course of action is going to be. True, it is not the free report you’re entitled to; however for a small or nominal fee, they’ll pull the report (safely) for you and provide you with a thorough credit consultation. If you’ve already received your one free annual report, you can share that information with your credit consultant and get started then and there. You’ll have expert support on your best course of action - what more could you ask for?
Want more information? Call 1-877-335-9043 or visit www.Credit Repair ProgramCredibility.com today!
Written by Savannah Meksto