Navigation Top
AGO Logo Graphic
AGO Header Image
File a Complaint
Contact the AGO
All Consuming
Return to main blog
Some free credit reports cost you

Some free credit reports cost you

(Internet Safety, Credit and Money Matters) Permanent link

Don’t be fooled. There’s only one official Web site where you can order your free annual credit report, but many copycats. Consumer Reports WebWatch recently examined Web sites that advertise “free” credit reports. Here’s the catch -- most will give you a report for free but only if you agree to purchase credit monitoring services for as much as $160 a year or a credit score for as much as $75. Of the 24 sites analyzed, nine were owned by or closely connected to TransUnion and eight were owned by or otherwise closely connected to Experian.


You can save money if you request an annual free copy of your credit report online from -- and only this site -- or by calling (877) 322-8228. Here’s an additional tip: You’re allowed one report yearly from each of the three major participating bureaus, TransUnion, Experian and Equifax. You could order all three at once. Or you may want to do your own monitoring by spacing them. Order one from TransUnion now. Four months later, order one form Experian. Then four months after that, order an Equifax report. Repeat the following year.


Type the Web site directly into your browser or click on our link. Some look-alike Web sites are fakes set up by identity thieves who want your personal information. The real is secure and your information is encrypted when you submit it. You'll be asked for your Social Security number, but it's OK. The bureaus already have it and they need the number to prove you are really you.

Posted by AGO Blog Moderator at 09/21/2007 02:55:21 PM | 

Yes, we were dupped by Is there any action being taken against this company. Their advertising campaign on TV has been stepped up and there doesn't seem to be a disclaimer about the cost that will be incurred by potential customers. Is there any way to get my money back that has been debitted to my account since I "signed up" in July?
Posted by: Philip Richardson ( Email ) at 9/23/2008 11:05 AM

Hello Philip, part of a family of online consumer credit reporting sites belonging to, Inc., an Experian company. Experian is one of the major credit-reporting agencies. was sued by the Federal Trade Commission in 2005 and ordered to provide refunds to consumers, as well as provide appropriate disclosure of terms and conditions of any “free” offers. See news release at If you feel that you were mislead by an offer, you should first try to receive a refund from the company. If unsuccessful, you may wish to file a complaint with the Federal Trade Commission on its Web site at


Posted by: Kristin Alexander ( Email ) at 10/7/2008 5:13 PM

We were dupped by too. Now
we are asking the credit card company
to charge back. The credit card company is investigating. I wish something can be done to
prevent other people falling into the same trap.
Posted by: Min Chen ( Email ) at 1/12/2009 6:00 PM

I should have known that the guitar picking loser (who I suspect is having a May/December romance with the stern-looking old crone) was shilling a "Free Credit Site" with hidden costs. I only hope that in his next commercial the make-up artists remembers to paint the letter "L" (good for LIAR or LOSER) on his considerably large 5head,...oops! I mean forehead. LOL & caveat emptor Peace out!
Posted by: mike salvador ( Email ) at 4/22/2009 10:40 AM

Leave a comment
Name *
Email *

All comments are reviewed to ensure compliance with our Blog Comment and Use Policy. Comments are generally posted within two business days. Send Feedback
Content Bottom Graphic
AGO Logo