Yes, yes, we've all seen the commercials. The lovely jingle.. free credit report dot com!
Well the site is not lovely. I signed up for that one day. I thought I was signing up for the once-a-year free credit report that all people are legally granted. I figured this because the same credit agencies who keep track of scores and reports are the same people who get paid when you sign up to FreeCreditReport.com
Sure, when you sign up they do ask for your credit card information; but I assumed this was just one of the steps that they used to check identities. I was wrong. What they don't tell you is that after a brief trial period with the program they call "Triple Advantage" they then charge around $30.00 a month.
Sure, I called. I told them how it's bull, that they fool people by saying "free" credit report. Even more; they don't let you quit until after your trial is over - it dosen't make any sense. Whatever, I got screwed by these guys. Don't let it happen to you.
If you ARE looking for your annual free credit report that is required by law (because of how often credit report mistakes happen) then the website you want to go to, and oddly enough is run by the same credit agencies, is AnnualCreditReport.com
Good luck; happy credit reporting.