Sometimes an offer for a free credit report is really just a ploy to get you to sign up for something else, like online credit monitoring. They may even start by offering free credit monitoring for one month. But subsequently, you will start being assessed a fee for the credit monitoring service if you forget to have it stopped. This happens to many consumers who then end up paying for a service that they don’t realize they have and may not want. Don’t get hooked into something like this. While it is ok to request continuous credit monitoring services, know what it is that you are getting before agreeing to anything.

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