Cool Websites | FreeCreditReport.Com Is Hardly Free

FreeCreditReport.Com Is Hardly Free

So I’m sure you’ve all seen those goofy commercials on TV advertising FreeCreditReport.com.  And you probably also know that, by law, consumers can request a copy of their credit report from each of the United State’s consumer credit reporting companies–namely, Equifax, Experian, and TransUnion.

But did you know that–despite the catchy name–FreeCreditReport.com is NOT free?  If you’ve ever tried to get your free credit report through them, then you probably *did* know that (but if you haven’t, I bet you just learned something, eh?).  FreeCreditReport.com is actually a front for a subscription service (a recurring subscription service, that is) that “monitors your credit” — sure, you do indeed get a copy of your credit report, but it’s definitely not free.  Here’s the funny part — FreeCreditReport.com is actually part of Experian!  So basically the government is requiring Experian (as well as Equifax and TransUnion) to give consumer’s their credit information free of charge, yet at the same time Experian is also charging, albeit indirectly, consumers for this information through their credit monitoring service!

Only in America, eh?

Bottom line…and this is why this post is on this site…you can visit Annual Credit Report and get your credit report 100% free.  Guaranteed.  In fact, Annual Credit Report is the ONLY site authorized by all 3 credit bureaus to help consumers obtain their credit report free of charge.  No sneaky subscription fees, no hassle.  Check it out - totally legit.

By the way, I’m not necessarily picking on Experian here — FreeCreditReport.com is just one of many of these types of sites that offer a “free credit report” in exchange for a monthly subscription fee…I just think it’s ironic that they’re affiliated with Experian.

So what do you think about this?

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One Response to “FreeCreditReport.Com Is Hardly Free”

  1. Mr Credit Card on September 6th, 2008 6:25 pm

    Thanks for mentioning our post. Much appreciated.

    Mr CC

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