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Many people have seen the jingles on TV and wonder if they should order their free credit report off of this site. It seems too good to be true, but can a company lie on TV? Unfortunately, while it’s not a scam, it’s not completely free. If you look at the fine print, you have to enroll in their Triple Advantage credit monitoring program in order to receive the “free” credit report. That doesn’t sound like free to me.
I have no doubt that you would receive the credit report, but it’s not worth the hassle of having to cancel your membership within the trial period or risk paying $14.95 a month. Your best bet is to stay away from this company.
There is a place you can get a free credit report with no strings attached: www.AnnualCreditReport.com. This website is a result of the Fair and Accurate Credit Transactions Act of 2003, and allows you to receive a free credit report from each of the three major credit reporting agencies once every 12 months.
In addition, Equifax (one of the three main credit reporting agencies) offers a second credit report to people who meet certain criteria. The application can be found at www.Equifax.com/fcra. You may qualify if you have recently been the victim of fraud, if you are unemployed and searching for a job, or if you are receiving welfare. Equifax has a link to your particular state’s laws.
To sum it up, www.FreeCreditReport.com appears to be a legitimate service, but it leads you to believe it offers something it does not. If you are looking for a credit monitoring service, it may be an option to consider. However, if what you’re looking for is a free credit report, you’re better off going with www.AnnualCreditReport.com.