Don’t use FreeCreditReport.com
Under federal law, consumers are entitled to one free credit report a year through government-sanctioned web site AnnualCreditReport.com. But thanks to those catchy commercials, the FreeCreditReport.com address is far better known among many consumers than the government site. In fact, the FreeCreditReport.com service boasts five million members.
FreeCreditReport.com is run by Experian and forces users to sign up for their Triple Advantage credit-monitoring product. If you fail to cancel the service within the trial period (seven days), you’ll get charged $14.95 a month until you do.
So make sure you use AnnualCreditReport.com and let others know.