Article: When a 'Free' Credit Report Is Not Really Free

Plan & Learn: Credit and Debt

On the surface, it seems logical: You type the phrase "free credit report" in a search engine to access the Web site that offers free reports--which you're entitled to, by law.

But here's the catch: Your search results might not drive you to the one legitimate Web site operated by the Federal Trade Commission.

Q: What's the danger in going to the wrong Web site to get your free credit report?

A: These sites hook you with offers of so-called free credit reports while aggressively marketing other services. Go to any site other than and you may wind up paying needlessly for services you don't want. Or, you could pay $75 for a credit score that otherwise costs $8 to $12. In one example, a site advertised a "free credit report" but failed to disclose adequately that, if you signed up, you automatically would be enrolled in a credit-monitoring program and charged $79.95. Many disclosures are in the fine print and easy to overlook.

Q: What are some sites to avoid?

A: The one most heavily advertised is Other variations include,,,,, and

Q: Which site allows access to free credit reports without trying to sell unnecessary services?

A: Go to, which was established after the Fair and Accurate Credit Transactions Act of 2003 gave consumers the right to obtain--once a year--a free credit report from each of the big three credit reporting agencies: Equifax, Experian, and TransUnion. Or, you can call toll-free 877-322-8228.

Q: Should I order the three annual free credit reports all at once?

A: You can order them all at the same time. A better strategy is to stagger your requests throughout the year. Order a free report from one agency, then wait four months and order a report from a different agency, then wait another four months and order the third report. After a year, start the process over again. That way, you're more likely to detect errors--or even fraudulent accounts set up in your name--than if you wait a whole year to look at all three of your reports.

Copyright 2010 Credit Union National Association Inc. Information subject to change without notice. For use with members of a single credit union. All other rights reserved.