by Alison Storm | 04/5/10

According to the Associated Press there's a new Federal Trade Commission rule that requires any online advertising free credit reports to direct consumers to the government-backed website, annualcreditreport.com. Starting September first all TV and radio ads must do the same. These are typically companies that offer "free" credit reports when you sign up for services that carry monthly costs that are as much as $14.95.

These companies likely don't want you to know that you can get a free credit report without paying their fees. You're entitled to a free copy from the top free agencies: Equifax, Experian, and TransUnion. Plus if you think you're the victim of identity theft or you're unemployed you can also request free copies of your credit report. In addition to these circumstances, if you're turned down for a loan. You can ask the lender that denied you where it got your credit report so you can get a copy.

Now that you know how and when you can get your hands on your credit report for free, it's time to explain who can pull your credit report. Turns out it's only banks, debt collectors, landlords or those with a valid reason for needing to know your credit score. Curiosity is not considered a valid reason, according to Rebecca Kuehn of the Federal Trade Commission. "You can't just pull a report, not even on your husband," says Kuehn. Prospective employers are allowed to pull your credit report-- but only if they've got written consent.