Free Credit Report Phishing Scams On The Decline

Running a tenant background check is normal for a landlord but sometimes the renter will want to provide their own report.

This isn’t a good idea due to rules laid out in the Fair Credit Reporting Act because this is sensitive information that needs to follow a process.

American citizens can go to This website is owned by the three major credit bureaus and Federal law requires each of the three nationwide consumer credit reporting companies – Equifax, Experian and TransUnion – to give you a free credit report every 12 months if you ask for it. [source —]

If you run a credit report on a tenant applicant, that renter is entitled to a free copy of that report according to the FCRA.

Be Careful of Fake Credit Report Websites

In June of 2005 the World Privacy Forum did a study on the amount of imposter domains trying to use a phishing technique to get clicks to their site.

The list below represents the 112 working fake domains that were discovered from this investigation.

On the bright side, from our research, only 6 of these 112 dubious domains are now currently active. The rest of the urls are listed for sale or shut down. – – FreeCreditCheck – FreeCreditCheck – Transunion – Transunion – Spam Credit Site

In Conclusion

You’re entitled a free copy of your credit report from each bureau.

This means every four months you should be able to see your credit report for free if you rotate through the the three bureaus.

Just make sure you’re using the correct site at