18. Annual Credit Reports

Credit report offers are among the worst “deals” out there – with some of the more unscrupulous companies offering to send you a “free” report in exchange for your personal information, but subsequently sharing that information with those who intend to exploit it i.e. identity thieves. Or perhaps there’ll be a processing fee and tiny print that says you’ll be signed up to some credit-monitoring service you don’t need.

Under federal law, each of the three major nationwide credit-reporting agencies – those being Equifax, Experian and TransUnion – must provide consumers one free report every year. However, there’s only one place where you can officially get a free report – and that’s AnnualCreditReport.com.