Consumers should be careful of fraudulent websites

Many consumers check their credit reports so they can review their finances before bringing errors and inconsistencies to their credit repair company.

However, without accessing the right website, consumers could be spending more money than necessary for their financial information.

Due to federal legislation, every American is entitled to a free credit report every 12 months, from each of the three major credit bureaus: Equifax, Experian and TransUnion. However, searching out these sites on the Internet could lead individuals to confusion.

By searching a term such as credit report, consumers are often misdirected to a number of websites posing as authorized report issuers. As a result, consumers who visit the wrong web domain and order a credit report will end up spending money for information that is supposed to be free.

AnnualCreditReport.com is the only website set up by the three major credit reporting agencies and authorized by the federal government. Consumers can also check the official website of each credit reporting agency.

As a result, consumers should check their reports via the website prior to visiting a credit lawyer for more assistance.