The Federal Trade Commission said AnnualCreditReport is the only valid free credit report service. Experian, a credit reporting agency, was found guilty of fraud as they advertised free credit reports, but in reality consumers were charged when they didn’t cancel the service within 30 days. “The website above is the real one, and it shows you what you are eligible for and how to do it” said consumer advocates at Household - HSBC Watch. Rather than access the online site consumers may call for their free credit report (a toll-free number, 877-322-8228, is available), or request one through the mail.
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