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By: Pat Hicks
Too many people are being confused, mislead and taken advantage of by tem, "Free
Credit Report". We set the record straight so that won't happen. Text How many of
us have looked at anything offered to us for "free"? Not me? Of course I have. In
this day in age when gas prices are listed as "Arm" and "Leg", providing health insurance
for your family costs more than some mortgage payments and the cost of raising kids
looks like a hockey stick pasted onto a graph, you bet I look at offers to save money.
Therein lie's the problem. It seems like the vast majority of American consumers
are desperate to cut costs, any costs, and will jump too soon at offers promising
to do just that. Sometimes when you combine a cost cutting mentality with the importance
of credit, not only to purchase the big ticket items important to us, but more and
more to simply survive in this economy, desperation happens. Unfortunately, the marketers
know this too. So, without a little education anyone can get confused and the likelihood
of being taken advantage of increases significantly. The good news is that just a
little education will save you plenty.
Take for example, the term "Free Credit Report".
It now ranks right up there with the ubiquitous, "new" and "improved". "Free Credit
Report" has become part of that lexicon of advertising buzz words that are absolutely
meaningless to me. But for many, there is much confusion over this term. Why? I think
mainly because it has been announced that federal law dictates we are all entitled
to a free credit report on the front page of all the newspapers.
We know everyone
wants a free credit report, which is why we started our site. People naturally want
something that is mandated by law to be at no cost, is front page news and is so
incredibly important to each of us if we want to purchase just about anything. We
know people want their free credit report and because most all of us work so hard
for our money, we think people deserve hearing the truth about the subject. That
is why we even put a section on our page entitled, "The Truth About Free Credit
Reports".
So, is it not true? Yes, it is true, it's just that the devil is in the details and the resulting confusion has been a bonanza for those seeking to cash in on the confusion. In fact, each of us in the good ole U. S. of A. is entitled to a free credit report. But, how do you get it? Where do you get it? Who is giving it to you? Why is it being offered for free? And most importantly, who cannot offer you one for free?
The Truth About "Free" Credit Reports -