Free credit report with out credit card Gainesville

The Internet is littered with promotions for "free" credit free credit report with out credit card Gainesville reports, and many are back-door efforts to sell credit-monitoring services and other products, according to the Federal Trade Commission.

Last week, Experian, one of the three major credit-reporting agencies, agreed free credit report with out credit card Gainesville to pay $950,000 to settle charges that it deceived consumers into signing up for its credit-monitoring service by offering free credit reports. The FTC said Experian's Internet sites, www.freecreditreport.com and www.consumerinfo.com, failed to adequately disclose that consumers who ordered their credit reports would automatically be charged $79.95. The FTC also alleged that Experian sought to associate its Internet sites with the government-mandated free credit-report program. The Internet site for that program, which has been free credit report with out credit card Gainesville phased in across the country since December 2004, is www.annualcreditreport.com. Experian has improved disclosures on its Web sites.

Now, consumers who click on to the sites will see a box on the first page free credit report with out credit card Gainesville advising them that when they order their free credit report, they'll be signed up for the credit-monitoring service. sample credit report Experian also agreed to provide refunds to some customers. Consumers who enrolled in the credit-monitoring service from 2000 to 2003, canceled the service and disputed the charges may be eligible. If you believe you qualify for free credit report with out credit card Gainesville a refund and want more information, go to www.ftc.gov/freereports or call 202-326-3457. The FTC settlement with Experian doesn't resolve an ongoing problem: "impostor free credit report with out credit card Gainesville sites" that attempt to hijack consumers seeking to order free credit reports. These sites use misspellings and sound-alike names to misdirect consumers to sites unrelated to the government-mandated site.

The FTC has sent letters to 130 impostor sites warning them that attempts to mislead consumers are illegal. credit reports

Researchers for the free credit report with out credit card Gainesville World Privacy Forum, a consumer education organization, found 112 sites in June that were using some combination or close spelling of "free credit report with out credit card Gainesville annual credit report." Some of the sites asked for Social Security numbers, birth dates and other sensitive information, the World Privacy Forum report said. Others directed consumers to sites that sell identity theft or other credit-related products and services, the report said. Consumers land on free credit report with out credit card Gainesville impostor sites in two primary ways: by mistyping the name of the official Internet site, or by using a search engine and clicking on the wrong result, the report said. If you're planning to exercise your right to order free credit reports, there are several ways to protect yourself: Link to the legitimate site through the Federal Trade Commission's Internet site, www.ftc.gov. When you go to www.ftc.gov, you'll see two buttons that link to the official site, says Lydia Parnes, director of the FTC's Bureau of Consumer Protection. credit report with score Be wary of any site that promises a free credit report, then asks for your credit free credit report with out credit card Gainesville card number. That may be an indication that you've free credit report with out credit card Gainesville landed on an impostor site.

Don't respond or reply to e-mails, pop-up ads or phone calls that claim to come from www.annualcreditreport.com or one of the credit-reporting agencies.