You may have seen Web sites or received unsolicited email offering credit reports, sometimes for free. Be aware that some of these online operators may not actually provide credit reports, but may be using these sites as a way to capture your personal information. From there, they may sell your information to others who may use it commit fraud, including identity theft.
This is a variation on "phishing," also called "carding," a high-tech scam that uses spam or fraudulent Web sites to deceive consumers into disclosing their credit card numbers, bank account information, Social Security numbers, passwords, and other sensitive information.
This is an exerpt of an article found on www.AboutCredit.org
You can see the full exerpt as well as FTC instructions on how to spot such a fraudulent site here: http://www.aboutcredit.org/DesktopDefault.aspx?tabindex=0&tabid=65
Be Careful & Be Blessed
Maurice