Isn’t Free

May 16th, 2012

Maybe you’ve heard by now that you’re entitled to a free annual credit report. Well, is NOT the one you want! is a paid credit monitoring service. If you want your real free annual credit report, go to

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(Sometimes called a “Consumer Report.”) A communication of any information by a credit reporting agency that bears on a consumer’s credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used to or expected to be used to establish a consumer’s eligibility for credit, insurance, employment, or other purposes. Typically refers to the reports generated by Experian, Equifax, and TransUnion. But see “Specialty Consumer Reporting Agency.”

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