Getting your credit report isn't easy

The way the system is supposed to work for getting a free credit report is not how it really works.

Yes, there is only one official Web site — annualcreditreport.com — and it provides a free copy of your credit report once every 12 months from each of three nationwide credit bureaus: Equifax, Experian and TransUnion.

But misspell that Web address or, worse, guess at its name on a Web search engine and you will wind up at sites offering a whole bunch of "free" stuff from credit scores to credit monitoring that ain't free.

Full article from the Houston Chronicle