You’ve probably heard that you can get an annual free credit report for free, right? Heck, you’ve probably seen advertisements for free credit report programs plastered all over the net as well on your newspaper too. Well, in case you have any doubts, this program is completely and totally legitimate. Yes, you can actually get a free annual credit report by visiting www.annualcreditreport.com. By doing so, you will have access to one of the reports from the Three Major Credit Bureaus (Equifax, Experian and TransUnion) and you won’t have to pay one red cent. However, you will have to input your personal information including your ssn, birth date, and other qualifying information into the internet data form, mail form, or give your personal information to the customer service professional when you contact them by phone. Then, once your records and identity have been confirmed – bamm – you will get your annual free credit report.

Now, there is a catch to this – you can only get it once a year so if you need it more frequently then you will have to pay but the annual free credit report program is a great way to check your credit without busting your pocket book and that is a very good deal indeed!