Get Out of Debt 101 Blog

You may have seen the ads on TV for your free credit report. But many people are confusing the program introduced under Federal law with another one that offers a paid-service along with your “free” credit report.

Don’t confuse the official site AnnualCreditReport.com with FreeCreditReport.com.
When you sign up with FreeCreditReport.com you are also signing up for a credit monitoring service for $15 per month. It is really not a bad idea to invest the money since its for your protection, but just make sure that’s what you want to do.

On their site they have the disclaimer, which is hard to miss: “When you order your free report here, you will begin your free trial membership in Triple AdvantageSM Credit Monitoring. If you don’t cancel your membership within the 7-day trial period**, you will be billed $14.95 for each month that you continue your membership.
ConsumerInfo.com, Inc. and Freecreditreport.com are not affiliated with the annual free credit report program.”

If all you want is just your free credit report, then go to AnnualCreditReport.com; if you also would like the credit monitoring service, then FreeCreditReport.com may be for you. I personally have not used their service so I cannot say whether they are good or bad.

And when you are ready to start the process to become debt-free, check out our Get Out Of Debt 101 Master Manual. Study it, put it into practice and enjoy a debt-free life!

Get Out Of Debt 101 Master Manual