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fake credit report

Posted on: 22nd Mar, 2007 01:51 pm
are there fake credit report sites also? how to know if it is a fake site?
It can be possible, I have heard that such sites do exists, you need to keep alert.
Posted on: 22nd Mar, 2007 01:56 pm
Let me answer your question the other way. If you are looking to pull your credit to know ahead of time what your scores are in conjunction with buying a home or car, pay for a credit report WITH FICO scores from myfico.com

Otherwise, pull a free report from each repository at experian.com or equifax.com or transunion.com
Posted on: 22nd Mar, 2007 01:59 pm
Yes Karolina, do not respond to any mails or correspondence from sites which offer to provide you the report, simply because you do not need to when you can get it from the actual 3 sites.
Posted on: 22nd Mar, 2007 02:15 pm
yes you can get your annual report for free from the 3 bureaus, no need to reply to any such mail you get, simply delete them.
Posted on: 22nd Mar, 2007 07:28 pm
Welcome Karolina.

There are websites sending unsolicited emails to customers with the intention to offer free credit reports. But most of these websites are doing an online business by which they get access to your personal information instead of offering you a credit report.

The websites may sell your information to others who use it to commit identity theft. This is a kind of phishing or carding which involves the use of fraudulent websites to deceive consumers into revealing their credit card numbers, bank account details, Social Security numbers and other personal details.

It is better to stay away from fake sites. The best way to avoid them is to stop checking unknown emails claiming to offer you a credit report. Better get it either from Experian, TransUnion or Equifax. For this try out with annualcreditreport.com which gives you access to your credit report prepared by any of the three agencies.

Thanks
Posted on: 22nd Mar, 2007 10:08 pm
as everyone has said, best thing to do would be to access your report right from the bureaus itself. annually you can get it for free and in between if you need then also you have to pay very minor charges. do not enter your personal information into any website it can be risky..
Posted on: 23rd Mar, 2007 07:52 pm
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