Getting a Free Credit Report should be of some importance not only to frugal movie website owners using a credit card to buy domain names, a website theme, have a website built, et cetera but to anyone that uses a credit card or will use one in the future. Countless online outfits promise a free credit report but their are always strings attached. TransUnion, Equifax, and Experian are the three most people try out for a free credit reports. I did. Then I found a truly free credit report source: CreditKarma. There are no hidden charges though they do ask for your social security number. They have to in order to find your credit score. They ask for no credit card or payment info so you are not charged some hidden fee.
If your inclined to trust “The Man” (as they are at GettingTheWin) instead of CreditKarma, the federal government offers you the ability to check you credit score for free as well. You can do this via annaulcreditreport.com.
The Federal Trade Commission has received complaints from consumers who thought they were ordering their free annual credit report, and yet couldn’t get it without paying fees or buying other services. TV ads, email offers, or online search results may tout “free” credit reports, but there is only one authorized source for a truly free credit report.
Because of this, TransUnion, Equifax, and Experian have to let you look at your credit score ONCE per year free of charge. With CreditKarma, you can look at it as many times as you please plus they tell you what is effecting your credit score and why it may be low or high. CreditKarma does advertise other programs it offers heavily but you do not have to click on anything you do not want to.