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FreeCreditReport.com Getting Heat For Not Being Free

This weekend's New York Times featured a look at "The High Cost of a ‘Free Credit Report.'" Kris Steele, a web developer in Wisconsin, was planning to buy a car and remembered FreeCreditReport's catchy TV commercials, so he went online to check his credit on the site. The commercial's lyrics include “F-R-E-E, that spells free creditreport.com, baby. Saw their ads on my TV, thought about going but was too lazy.” He filled out the information form, including his credit card number, which he thought the site needed to verify his identity, but months later he noticed the site had charged his card. Little did he know, he had actually enrolled in a credit-monitoring service that cost $14.95 a month. Kris isn't the only person upset with the confusing advertising that, while funny and effective (FreeCreditReport's site visitors and new member signups increased by 20 percent in 2007), is misleading.

After attention from consumer groups and the United States Public Interest Research Group, FreeCreditReport.com has placed a disclosure on its home page saying that it is not affiliated with the annual free credit report program. The Federal Trade Commission's website warns against using sites other than AnnualCreditReport.com to obtain a free report.

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CaterpillarGirl CaterpillarGirl 7 years
People cant read the fine print, or the obvious terms and conditions, too lazy.
juicylove juicylove 7 years
shoulda gone to freeeeee credit report . com, woulda seen this coming at me like an atom bomb(8)
karen7782 karen7782 7 years
I hate them. They do trick you. None of the credit monitoring services are free. American Express has one and you still have to pay for it but I like that one the best.
heidi-girl heidi-girl 7 years
when i saw the 14.95 charge on my bill, i called ASAP to cancel the service, and they will try to manipulate you to no end to stay, the guy would not let me talk, i'm a customer service representative myself so i know their jobs aren't all roses and sunshine, but i literally had to keep raising my voice until eventually i just lost it..horrible i know..but i got my point across.
jennjennnbubba jennjennnbubba 7 years
well if he would have read the terms of agreement before signing up he would have realized that he had a 14 day FREE trial and afterwards would be charged $14.95 for the service. All you have to do is cancel your account before the 14 day trial is up. The end of the commercials mention it and its on the website somewhat plain as day.I signed up for it but read all the terms before doing so. As soon as I got my credit report, I called the number under FAQ link and cancelled the service with minimal questions and of course another offer of a lesser rate. No charges ever on my account or anything. READ PEOPLE READ!
jennjennnbubba jennjennnbubba 7 years
well if he would have read the terms of agreement before signing up he would have realized that he had a 14 day FREE trial and afterwards would be charged $14.95 for the service. All you have to do is cancel your account before the 14 day trial is up. The end of the commercials mention it and its on the website somewhat plain as day. I signed up for it but read all the terms before doing so. As soon as I got my credit report, I called the number under FAQ link and cancelled the service with minimal questions and of course another offer of a lesser rate. No charges ever on my account or anything. READ PEOPLE READ!
GeriAnne1932 GeriAnne1932 7 years
Where they get you is that the "comes with enrollment in triple advantage" or whatever it is they say, isn't included in the jingle so no one ever remembers that part!! That is pretty evil....if people get in trouble for women in commercial wearing fake eyelashes as part of a mascara commercial, there has to be something said about this company. They prey on people who don't listen or just remember the song...or try to strike fear in you.
sweet-feet sweet-feet 7 years
I was checking my credit a few months ago and used freecreditreport.com (thinking that it was free) and on my next month's credit card statement I started getting charged $14.95 for something, so I called the number listed on that charge and found that it was freecreditreport.com charging me a monthly fee for something! GRR!!!! Then I told the customer service guy "so that's how you guys trick everybody to stay in business" and he laughed and I canceled whatever they were trying to charge me.
cubadog cubadog 7 years
I hate these ad's. The guy is totally creepy and I do not need to check my credit every month to know it is bad.
ilanac13 ilanac13 7 years
i went on free credit and was frustrated for a bit but i'm now using truecredit - and although i do have to pay each month - i find that it makes me feel a bit easier knowing when ever there are updates to my credit. i have this insane fear now of someone stealing my credit and in this day and age of financial ruin - i like to be on top of things.
stephley stephley 7 years
Ha, I heard my boss recommend Free Credit to a client last week - I'll have to show him this. thanks.
Shopaholichunny Shopaholichunny 7 years
I tried going on there a few months ago and realized that it wasn't "FREE" either. :p Though their song is quite catchy.
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