Free Credit Report Scams — AARP VIVA Scams & Fraud

Don' t Fall for Free Credit Report Scams

A good credit score can save you money but make sure your " free" credit report doesn' t cost you

Matt Herring You've probably seen the ads and websites: Mistakes on your credit report can cost you thousands! Check your credit report for free! Only it's not really free. You need to give your credit card number and sign up for a free trial membership. Don't cancel, and you're stuck with a monthly fee. But canceling's not always so easy, says Anaiboni Torres, 41: "I called and they didn't answer." He finally got through — but had to pay for one month. He's lucky. If he hadn't noticed the charge on his credit card statement, he could have paid much more. Others have. Instead, says Cena Valladolid, of Consumer Credit Counseling Service, go to or call 877-322-8228. You're allowed one free report a year from the three major credit bureaus — Experian, Equifax and TransUnion. Request one report from a different bureau every four months, and you're covered for a year. If you do get scammed, contact the .

Related

Cancel You are leaving AARP.org and going to the website of our trusted provider. The provider’s terms, conditions and policies apply. Please return to AARP.org to learn more about other benefits. Your email address is now confirmed. You'll start receiving the latest news, benefits, events, and programs related to AARP's mission to empower people to choose how they live as they age. You can also by updating your account at anytime. You will be asked to register or log in. Cancel Offer Details Disclosures

Close In the next 24 hours, you will receive an email to confirm your subscription to receive emails related to AARP volunteering. Once you confirm that subscription, you will regularly receive communications related to AARP volunteering. In the meantime, please feel free to search for ways to make a difference in your community at Javascript must be enabled to use this site. Please enable Javascript in your browser and try again.