Not Free and Not Necessary Say Experts

Tue, Nov 3, 2009


“Free credit report. com, tell your dad, tell your mom..” this catchy song has prompted many consumers - especially those hoping for a loan- to visit their site for a free credit report.

When you get to, you are asked for your credit card information. This message is in small print at the bottom of the form:

“When you order your free report here, you will begin your trial membership in Triple AdvantageSM Credit Monitoring. If you don’t cancel your membership within 9 days of enrollment, you will be billed $14.95 for each month that you continue your membership…..” Yikes!

The Federal Trade Commission would like to change it’s tune. A government-mandated site already exists where you can get a free credit report by law.

You are entitled to a free copy of your credit report from each of the three major credit agencies once a year. Visit, it is the only authorized online site under federal law. This will enable you to check your credit 3 times a year. Experts say, for the majority of consumers, that’s enough.

For more info on free credit reports and how to access them, click here.

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