Deal? Or No Deal?
After hearing so many ID theft horror stories, you're nervous. What about those free credit reports you see advertised? Deal?
NO DEAL! Here's what you won't see in a commercial: Under federal law, each of the major credit bureaus (Equifax, Experian and TransUnion) must give you one free credit report a year. The only place to get them is AnnualCreditReport.com.And what about the offers you've seen on TV and the Web? These kinds of sites (among them, FreeCreditReport.com and FreeCreditProfile.com) are hawking credit monitoring services. You'll have to sign up to get your "free" report, and if you don't cancel within 30 days, you'll be charged $10 to $13 a month.
Unless you've been a victim of identity theft, you don't need to pay for a monitoring service.
Do you know your financial rights?
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AOL Money Coaches
Mary Hunt
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