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“Free credit report dot com baby?”

September 27, 2008

credit-reportOk, I admit it. I absolutely love the FreeCreditReport.com song! You know, the one where the guys are driving down the road singing about how they could have been driving a nice car had they checked their credit report through FreeCreditReport.com. The song is catchy, but the offer is quite misleading.

Well I’m shopping for a new car, which one’s me? A cool convertible or an S-U-V. Too bad I didn’t know my credit was whacked, so I driving off the lot in a used sub-compact. F-R-E-E, that spells “free”, credit report dot com baby. Saw their ads on my TV. Thought about goin’ but was too lazy. Now instead of lookin’ fly and rolling phat, my legs are sticking to the vinyl and my posse’s getting laughed at. F-R-E-E, that spells “free”, credit report dot com baby…

There is nothing free about FreeCreditReport.com. I learned this the hard way. So I’m trying to save you the headache by letting you know that you really have to read the small print with this “deal.” When you sign up to receive your free credit report you are actually signing up for “Triple Advantage,” a ripoff program (my opinion) that charges your credit card $14.95 every month if you don’t cancel the program within the first 7-days. How many people remember to cancel the Triple Advantage program within 7-days? Probably very few. And then you get your credit card bill and you’re left wondering how a free credit report could be so costly.

So enjoy the song and commercial, but don’t get ripped off by this company. You are entitled to a FREE copy of each of your credit reports every year from the 3 credit agencies. You can monitor your own credit without paying for this Triple Advantage program. All 3 credit agencies make it simple to contest items that appear on your credit report. You don’t need to waste about $180 per year for someone to tell you what you can read for free.

To order your credit reports…

1. Experian – Click and order your FREE report now
2. Equifax – Click and order your FREE report now
3. TransUnion – Click and order your FREE report now

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