There have been times when you probably wanted to get a free copy of your credit report. Some scammers place ads on the Internet promoting free credit reports, but when you actually click on the link, you are required to join a club.
Joining, if you look at the very fine print (which nobody does) means “accepting membership” and you will start being charged monthly on your credit card, until you find out and opt out.
How to avoid: always ask for your credit report by contacting an accredited organization, such as Experian, Transunion, Equifax, or whatever the credit company in your country is.