SOURCE: National Credit Report

Credit Report Scam

January 28, 2010 10:29 ET Issues Consumer Advisory to Warn Consumers About Credit Report Scams Originating From Craigslist

DELRAY BEACH, FL--(Marketwire - January 28, 2010) -, a leading provider of credit reports, credit scores and credit monitoring services, issued a consumer advisory today warning consumers of credit report scams. Consumers may become victims of such scams on Craigslist and other online classified listing sites as a result of responding to what they believe is a legitimate rental property or job posting.

The scams appear on Craigslist and other classified websites offering an apartment for rent or a job posting and consumers respond to the listings via email. Once the consumer's inquiry is received, the consumer then becomes engaged in what they believe is legitimate communication between a potential employer or property manager. The alleged employer or property manager will include a link to a free credit report website, asking the consumer to go to the site to get their free report. The consumer is then instructed to email their credit report and/or credit score to the potential employer or property manager so they can "verify their employment or housing history" and proceed with the job or apartment application process. does not authorize or condone this type activity and warns all consumers not to share their credit report or credit score with anyone they do not know, as this is an open invitation for credit fraud and identity theft. Sites such as have also recognized credit report scams and posted their own warnings such as this one to guide the public.

There are a number of fraudulent emails that pass between pseudo representatives and unsuspecting consumers that appear to be legitimate. However this type of activity is not encouraged by any of the many reputable companies in the credit reporting industry. A note to consumers -- this is not how conducts business, and we immediately sever relationships with any website marketers we catch using links to our credit offers or website in this unauthorized manner.

Here is an example of how a free credit report scam for a false apartment rental email:

Hello John,

The rental is still available! We had an offer from the first person we showed it to, but now it appears that they are changing their mind, so we need to start showing it again as soon as possible. You were the second one to email me about it.

If you would like to set up an appointment, go to the link below and request a free copy of your free rental/credit report. We use this company for all the properties we manage. Just fill out the form and indicate that you want the free credit report. The actual scores on the report aren't important to us; it's more of a formality to have it on file, to make sure you are who you say you are.

Get your report here. (link removed)

Remember, we only need to see the page about the rental history. That will be all you will need to bring with you to the showing.

Thank you once again for your interest!

Here is an example of a false job application email

Please complete the following:

As part of our routine background check on all employees we require all applicants who have reached this stage to do a routine credit check to verify your details. This is a free service for your credit report. (link removed)

This check is totally free to yourself and all details are totally confidential. Please note: We cannot and will not use any bad credit to deny your application (your credit is not important to us), this is simply to verify your past employment history.

When you are done please email me the file so I can put it in our database and schedule your interview. I will put your report/resume on file.

Thanks and good luck.

Consumers should consider this type of email as an attempt from fraudulent third parties to collect your personal and confidential information.

Please do not fall victim to these types of credit report scams. If you want to get a free copy of your credit report and score, there are many reputable websites to choose from. We encourage you to shop around and make the choice that is right for you, once you confirm that you are dealing with a legitimate provider.

Email communication is a great marketing tool that is used by many companies, including to send legitimate credit report and credit score offers to current and prospective customers. These email campaigns feature the brand logos and marks of the credit report company that is sending out the email, as well as a specific offer that consumers can opt into. This type of email communication is legitimate and oftentimes is the best way for consumers to learn about and take advantage of special offers from the credit reporting industry.


Since 2004, has specialized in providing a variety of credit information to consumers to help protect them from identity theft and understand their credit reports and scores. Now, the company has a solution for consumers to buy a credit report without being automatically enrolled in a credit monitoring service. The Company provides credit monitoring, credit reports, credit scores and other identity theft protection services.

Contact Information

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    Allison Tomek