Is Safe, Is Legit?

Is Safe? Am sure you are guessing the answer to this question. Do not worry, let’s find out. The federal law permits each cardholder to get a free credit report from each of the three major credit bureaus—Equifax, Experian, and TransUnion annually.  These credit bureaus have a website known as It is from this site that many cardholders get their annual credit

Is Safe? How Secure Is

To get  your credit report from this website, you must do the followings:

  • Enter your Social Security Number
  • Supply your personal details such as your full name, current and previous address depending on how long you have lived there.
  • Enroll or select the reports you need especially if you have many credit cards.
  • Carefully review the information you supplied to verify your identity.
  • Provide answers to 3 security questions based on your circumstances.

However, do not forget that only when you give accurate answers to these questions that you will have access to your report. Even though gives an assurance that your information is encrypted while you are filling out the form and when it sends your details to the three bureaus, we cannot trust it 100%. gave no response to a request for more information about the site’s security features.

Moreover, a report has it that in 2017, a major data breach at Equifax affected about 147 million people. There is a $671 million class-action settlement pending, and the company is undertaking a $1.25 billion technology and security investment program called EFX2020. Can Be Hacked?

Hacking an account will not be easy at all. This is because a hacker cannot have the exact personal information you have especially your identity verification questions. He or she may not even know about your student and mortgage loans as well as their balances.

On the other hand, the chances are still there.  A lot of hackers have obtained people’s personal information and hacked their accounts. There is no record showing that has been hacked. But it is important to note that in 2013, according to TransUnion some individuals illegally got the private information of celebrities and hacked their credit reports.

How to Spot Credit Report Scams

To start with, it is only  that the government permits to issue credit report.  There are some imposters though. They try to make themselves look like to attract people. Be very careful, always check the spellings before enrolling.

Also, avoid websites with spelling errors and emails and calls from them. According to the FTC, none of the 3 major credit bureaus should contact you. To be on the safer side, send calls and emails likely to be fraudulent to FTC at

Additionally, they present themselves as giving free credit report. Do not quickly supply your personal information or sign up for their free services, they are really not free.

Conclusively, before you supply your credit card number and account number, check how secure the site is. If it is ”https”, then, it is secure, if it is ”http”, run as fast as you can.

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