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The increasing prevalence of identity theft and increased concern about good financial health has led many customers to find copies of their credit files online. This is obviously laudable; the more you know about how prospective creditors and lenders see you, the more prepared you can be when it comes time to apply for financing or credit. An additional bonus is that people can buy one copy of these credit report from each of the three main credit bureaus once a year through the official Web site set up for such purposes at AnnualCreditReport.com.

However, there are still many The web sites that you can get for the only intent behind tricking customers who are seeking copies of their free studies. A quick Google search for the term "free credit report" today resulted in number less than 24 million sites in the search results. There certainly aren't twenty four million The web sites that are going to provide copies of credit file at no cost, what exactly is this about?

It's about money. Aside from the "official" site, others exist to profit, and they can profit in one of two different ways:

Sell you something - Several of those sites really belong to the credit bureaus; they have set them around give you the credit report while selling something else to you for the time being. These websites can provide the "free" report in big letters, while telling you in smaller ones that by accepting the free report you're agreeing to purchase a monitoring service, which can cost you $10-15 per month. The credit bureau-owned websites will even tell you that you could possibly get your record for free at the "official" site. That's often explained in rather small print near the base of the page.

Steal something from you - Unfortunately, there are still many dishonest criminals out there on the web who begin to see the fascination with credit file since the perfect method to steal personal information from people. Their websites can provide a "free" report, and probably various other services for which you pays. But when you fill out the application form and offer your title, Social Security number and bank card, you get nothing in exchange. As an alternative, the employees of those sites use the personal information to borrow money and take out credit in your name, leaving one to pay the bills.

The easiest way to avoid this problem would be to receive it from the state Site at AnnualCreditReport.com, if all you could want is really a free credit history. Instead, you are able to call 1-877-322-8228 to get your report by mail. That way, you can avoid being victimized by the tens of thousands of The web sites that could cause you to cover dearly for your "free" credit history. san diego credit repair