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Most people are aware that it is their right to get credit report completely free, but they get fooled when fraudulent sites deceive them by actually signing you up for a protection service or an expensive credit monitoring. Before applying for credit report free ensure that you are applying for one from a reliable source, this will prevent you from getting deceived.

Normally what most people do is hop into their favorite search engine like Google and perform the search. This takes them to a number of deceptive companies which appear genuine while promising you to give free credit report. But in reality it is for a free trail of credit protection service or credit monitoring that you have signed up for. Such companies will either cancel or refuse to pay a dime or could keep you enrolled to clear the monthly credit monitoring fee. Due to lack of awareness people sign up with such companies and realize their folly only when they get charged for it.

We all come across numerous advertisements on TV as well as on the internet about free credit reports, but it is only on logging to the website that you realize about the $15 monthly charge. To avoid the hassle, you refuse the offer.

Fortunately, with the intervention from the government obtaining the credit card report free has become possible from the three credit bureaus - TransUnion, Equifax and Experian. You can also get a credit card report copy from annual credit report .com for no cost and in just a few minutes. However, you will have to enter your personal details into their system to help them find your credit report. It means disclosing your legal name, date of birth, address, contact numbers etc. But because it is a secure site all information disclosed by you is protected.

However, the site has it own set of limitations, so from each bureau, you are entitled to just one free credit report a year. So in all you will receive only three credit reports. Additionally for credit scores you have to cough out a fee.

Annual credit report .com allows you to access the three credit report. In case you obtain just one, you will get one free every four months from the different credit bureaus. The credit report that you receive from the three bureaus will not be the same. The discrepancies shown however will not be major.