It's almost a source of wisdom that anything described as "free" comes with a price. In the case of many on-line offers, "free" means something for free as long as you provide a credit card number for further charges.
Cute Commercials You Pay For
Freetriplecreditreport.com does not explain how much it charges for the monthly service on its homepage, but there is a monthly charge and no truly "free" credit report. Likewise, Freecreditreport.com has become popular because it's in our heads from the many catchy songs its commercials feature. And you do get a "free" credit report, but what is also required in enrollment in a monthly credit update service.Currently that monthly charge is $14.95 and is charged against your credit card. Some of the offered resources can be helpful, but there is nothing free about the report.
Truly Free Credit Report
Everyone is entitled to a genuinely free credit report through the Federal Trade Commission. You can request a free report from each of the reporting credit bureaus, all through the FTC.
Why Do I Need Credit Report?
The short answer is--you don't. If you're not financing a home or car or applying for credit, your credit score is not a part of your regular financial dealings. But what the commercials prey on is the idea that your credit report scores might be messed up. It's possible you have incorrect information on your credit report, but unlikely if you have not had identity theft or defaulted on a credit card or loan.
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