FreeCreditRepot.com NOT Free

I will admit it. I LOVE the old FreeCreditReport.com commercials and the songs are catchy to say the least… well the old ones. I even made one my sister’s ringtone when she called my phone, but that’s all I like about the Free Credit Report brand. First off, FreeCreditReport.com is NOT free. I will say it again, they are not free. When you visit their site, you are offered one of two choices; Free Credit Report Delivered in Two Days or Get Your Free Instant Credit Report & Score for $1. The first option is the one I will focus on today. Firstly, your credit score is not included, you have to wait up to two days for your report, and you automatically begin a 7-day trial membership in a credit-monitoring program that if you don’t cancel within the trial period, you will be billed $14.95 for each month you continue your membership. How can a service that is supposed to be free eventually require your billing information? If you have to ask yourself this question, close that tab on your computer and don’t visit that site again. Seriously. Seeing your credit report and learning your credit score can be a little scary by itself, so let’s decide together to stay away from sketchy sites when dealing with credit information and social security numbers. Instead, try ordering your score and report from one of the three major bureaus: Equifax, Experian, or TransUnion.  In the meantime, I will continue to sing the songs from the commercials, while ordering my report elsewhere. 

 

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