Consumers: Beware of freecreditreport.com; It Isn’t Free!
Consumers should be wary of freecreditreport.com, a website owned and operated by Experian (one of the three major credit reporting bureaus) that is similar to annualcreditreport.com, the official website mandated by federal law, according to an article in the New York Times. In fact, the Federal Trade Commission, the agency responsible for enforcing the Fair Credit Reporting Act, maintains a website specifically for the purpose of informing consumers that annualcreditreport.com is the ONLY authorized source for consumer’s free annual credit report under federal law.
FTC.gov’s Free Credit Report Parody Video
What is AnnualCreditReport.com?
AnnualCreditReport.com is the ONLY authorized source to get your free annual credit report under federal law. The Fair Credit Reporting Act guarantees you access to a free credit report from each of the three nationwide reporting agencies — Experian, Equifax, and TransUnion — every twelve months. The Federal Trade Commission has received complaints from consumers who thought they were ordering their free annual credit report, but instead paid hidden fees or agreed to unwanted services. Don’t be fooled by TV ads, email offers, or online search results. Go to the authorized source when you request your free report.
What does Experian say at its freecreditreport.com website about a free credit report? Experian says:
GET YOUR FREE CREDIT REPORT
ONLINE AND DELIVERED IN SECONDS
Get Your Free Experian Credit Report
IMPORTANT INFORMATION: This offer is not related to the free credit report that you are entitled to under federal law. To obtain that report, you must go to www.annualcreditreport.com. The free above requires enrollment in a trial of Triple Advantage®. Cancel anytime during the 7-day trial period** and pay nothing. Otherwise, you will be billed just $14.95 for each month that you continue your membership.
See how Triple Advantage works!
Instant Reports
See All Three Reports and Scores
See your Experian, TransUnion and Equifax credit reports in one easy-to-read format. Includes a FREE PLUS Score® from Experian. See them online for only $39.95!
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Experian Credit Report and Score
Check your credit report for potential inaccuracies or signs of identity theft. See them online for only $15!
Get Yours Today
Triple Advantage®
Check your credit report for possible signs of identity theft
Monitor all three national credit files every day
Receive email alerts key changes
Triple Advantage® credit monitoring is brought to you by Experian, America’s number one provider of online credit information for more than 10 years. With Triple Advantage, you can monitor your Experian, Equifax and TransUnion credit reports online and get unlimited Experian credit reports and scores with your paid membership. Triple Advantage monitors all three of your national credit reports every day. You will receive prompt notification via email alerts whenever we detect key changes to any of your three credit reports.
Triple Advantage
Try it free for 7 days and get your online Experian credit report and score!
Sign Up for Triple Advantage
Review your credit reports for possible errors. Discover changes to your score that may indicate identity theft. Try Triple Advantage for free for seven days and get your free online Experian credit report and score. After the trial period, pay only $14.95 per month. Monitoring your own credit does not affect your credit score, so try it now.
Triple Advantage includes daily monitoring of your credit reports from each of the three national credit reporting companies. It also includes unlimited access to your Experian credit report and score, monthly score trending, score explanations and a score illustrator for your Experian score. Triple Advantage also includes $50,000 Triple Advantage Guarantee*.
Join the more than 20 million consumers who already have checked their free Experian credit report.
Do the math: take Experian at its word.
If Experian sells “free” credit reports at $14.94 per month to over 20 million consumers, then Experian receives a revenue stream of $29,900,000 per month from consumers in every state in the Union except the State of New York, which has consumer-protection laws that bar Experian’s sale of “free” credit reports to the citizens of New York State. And if each of those consumers who succumbed to Experian’s solicitation of $14.95 per month for a “free” credit report also paid the solicited front-end fees of $39.15 and $15.00, then Experian also has received additional one-time, non-recurring revenue of $109,900,000 from those same consumers.
Another Parody video advertisement about freecreditreport.com
