I believe most of us are familiar with this funny commercial from freecreditreport.com. However, I have to tell you that this commercial for “FreeCreditReport.com” is not only somewhat inaccurate but it’s misleading. It’s actually advertising something that’s not free! The freecreditreport.com, owned by credit bureau Experian Group Ltd, offers consumers a chance to obtain their credit reports and credit score by signing up for a paid subscription service. They will charge you $12.95 per month by signing up a program named Triple Advantage. If you agree to sing up the contract, then your nightmare will be coming. It’s really hard to get rid of the charges from Triple Advantage. You can google “Triple Advantage” on the web and see how many victims are claiming they are being charged by Triple Advantage. The only way to get rid of them is to close the credit card account with them and request your credit card company to issue you a new one. As far as I know, the Florida state attorney general’s office has opened an investigation into potentially misleading advertising by FreeCreditReport.com.

The only web site that you can get free credit report is annualcreditreport.com. You can request to access to your credit report from 3 credit bureaus once every year. If you want to check out your credit score, you might have to read this post.