Below are advertiser links to independent websites that may require payment for credit reports. Many offer free reports if you sign up for a free trial membership with their company. If you do not cancel your membership within the trial period (usually 30 days), you will be billed a charge for each month that you continue your membership. This offer is not related to a free credit report you may be entitled to under US Federal Law. To determine your eligibility and to obtain that free report, you must go to www.annualcreditreport.com. This website is not affiliated with the annual free credit report program required by the Fair Credit Reporting Act (FCRA). The FCRA promotes the accuracy and privacy of information in the files of the nation's consumer reporting companies. The Federal Trade Commission (FTC), the United States' consumer protection agency, enforces the FCRA with respect to consumer reporting companies. )