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 As my father always said, ” Anything that seems too good to be true probably is.”  This is likely the case with e-mails that we receive promising free credit reports. Internet users often get tons of e-mails promising one thing or another for free. Most are not legitimate. E-mails promising free credit reports are more than likely  from spammers out to steal your personal  information or from companies that will provide a free report if you enroll in a credit monitoring service that can cost $120 or more a year. While these companies do provide a legitimate service, they often only allow a short trial period for the “free report”. If you don’t cancel in that time period, your credit card could be charged.

There is only one legitimate entity that provides free yearly credit reports and that is www.annualcreditreport.com (1-877-322-8228 toll free). They provide free credit reports from the three reporting bureaus.