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Being penalized for something that isn't your fault isn't fun. Kim Komando hosts the nation's largest talk radio show about consumer electronics, computers and the Internet.
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All you have to do to access these sites is provide your credit card information so that they may charge you at some point for your 100% free services.To subscribe to Kim's free email newsletters, sign-up at: Most of us know that there ain’t no Santa Claus, especially on the internet.It's also a very good idea to do a background check before taking on a roommate or going out on a date with that new crush you met online.You never know what sort of worrying or dangerous details could be lurking in someone's past.The list is helpfully divided into categories such as credit reporting, employment history, insurance, renting and so on.Note that you can request and dispute the information that these CRAs have on file for you.If you do reject a potential tenant or employee (even semi-informal employees like domestic workers) based on a background check from a company that isn't a CRA, you could wind up in trouble.You can find a fairly complete list of CRAs here on my website.Any insights you might have about free services would be appreciated. My credit card information is valuable to me and I won’t give it out for something that purports to be free.When in doubt, always assume anything that says free but requires a credit card is a scam.