When you are looking for free credit reports, be careful where you go. There are plenty of very shady (almost evil) websites out there that offer you services that may cost you plenty if you aren’t careful. Have you seen the TV commercials for FreeCreditReports.com? I checked them out at the Better Business Bureau and they were rated with an F. That’s bad, very bad.
Recently, I’ve seen one service that appears to be safe and highly recommended. The service at CreditKarma.com checked out with an Arating at the Better Business Bureau and it’s even registered as an Accredited Businessthere. Here’s what Credit Karma says about their service:
Credit Karma believes consumers have a right to know this information with no charge or without the bait and switch of 30 days free followed by enrollment products with confusing opt outs. We subsidize our cost of pulling the credit scores by selling advertising on the site.
They offer several reports and even some tools for helping you improve your future scores. The only complaints I’ve seen so far, are people reporting that the FICO scores are sometimes inaccurate. Since the only other FICO scores you can get are not free, you may decide you can live with results that aren’t perfect.
Not all free credit reports are created equal. You can always check with the Better Business Bureau before you give personal information to a website.