On Your Side: Free Credit Report

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March 27, 2007

The state of Georgia wants you to know there's no need to pay for your free credit report.

You're due a credit report check every year free of charge.

Keeping tabs on your credit report is a great way to combat identity theft. You can make sure no one else has taken out credit cards or loans in your name without your permission.

But the Georgia Department of Consumer Affairs says there are many websites out there that advertise a free credit report, but end up charging you fees for other services.

In some cases, the sites require you to purchase a credit monitoring plan before you get your report. Others may give you a free trial to a plan that will continue to charge you until you cancel the service.

Be wary of doing internet searches for "free credit report" or "free credit rating". Those are searches that may land you on those websites that charge.

The real website is annualcreditreport.com.

That is the only official website to get one.

In both Georgia and South Carolina, you can request an additional two more reports throughout the year.

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