(We're being kind.) They may tell you they have to charge you a higher interest rate because they checked your credit and found that you are not a good credit risk, when, in fact, you are. Some car dealerships are less than honest. It will look like you have been delinquent and are a poor credit risk. Your free credit report and score may be used to determine if you'llĪlso, if someone has stolen you identity and opened credit cards in your name, they aren't going to be paying those bills. Click here to find out more about your FICO score. Your credit score is only one of the factors FICO looks at. Your FICO score is not the same as your credit report. It requires the consumer reporting companies to give you your credit report for free if you ask for it, once every 12 months. The US government passed the Fair Credit Reporting Act (FCRA). Don't give these bums the information they need to turn your life upside down! Please forward the message to Your FREE Credit Report Why is it Free? Identity theft is a real problem, with serious implications. Message or phone call offering free credit reports, DO NOT GIVE THEM ANY INFORMATION. Some unethical people sending emails are simply in the business of stolen identities and fraud. Beware of Identity Theft - Watch for Free Annual Credit Report Scamsįirst, because this is important, we need to warn you about credit report scams. You disappear, you might want to continue reading to discover some great credit reporting tips we are sure you want to know. The only place to get your yearly free credit report from the three reporting agencies is. Free Annual Credit Report & Score, Equifax Credit Report, Experian Credit Report
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