FreeCreditReport.com is a website that offers “your free credit score and a whole lot more.” They offer the opportunity to a “free credit report” but by doing so you have to agree “to begin your free trial membership in Triple Advantage Credit Monitoring.” It is very important to note if you don’t “cancel your membership within the 7 day trial period” they will bill you $14.95 per month to continue your membership.
FreeCreditReport.com touts itself as different from other websites that offer similar services by stating their report is “easy to understand,” “delivered quickly, safely, and securely with 24 hour access,” and they “alert you of key changes to all 3 of your national credit reports.” Please note there are asterisks and disclosures attached to many of these statements.
Additionally, the website offers access to your Experian credit report and credit score without signing up for membership for $14.95 or “3 credit reports & 3 scores in seconds, all of your credit reports in one” for $39.95.
FreeCreditReport.com goes on to advise they are not affiliated with the annual free credit report program. They state “under federal law, you have the right to receive a free copy of your credit report once every 12 months from each of the three nationwide credit reporting companies.” They direct you to a different website for information about this program. However, they include the reminder that “all free credit reports are not created equal.”
FreeCreditReport.com certainly offers a valuable service as each person should keep track of their credit report information regularly. However, please remember it is important to review all disclosures and small print carefully before giving anyone your personal information.
