You can get a free copy of your credit report from each of the three reporting agencies each year for free by going to the
annual credit report website.
Though most «free»
credit report website contain a warning about the credit card charge, many consumers didn't understand the warning or missed it all together.
The Annual
Credit Report website only provides consumers with free credit reports, which can be extremely helpful, but you shouldn't apply for a mortgage without knowing your credit scores as well.
The reason the Federal government began requiring a disclosure from «free»
credit report websites, is because the credit reports weren't truly free.
You are allowed to check your credit report once a year for free with the Annual
Credit Report website.
The Annual
Credit Report website is authorized by the federal government to allow you access to your credit report for free.