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seeks clear path to (really) free credit reports You've probably seen or heard ads featuring catchy tunes and jingles for websites claiming to help you get a free credit report. The problem: Those sites aren't the official government-mandated site (AnnualCreditReport.com) for obtaining free reports entitled to you each year by federal law. At these soundalike sites, free isn't really free -- it comes with strings attached. They sign consumers up -- sometimes without their knowledge -- for credit monitoring services and charge recurring monthly fees creditscore Austin to their credit cards. Curbing 'confusing' ads, creditscore Austin practices The Federal Trade Commission (FTC) has proposed new rules to help decrease the number of consumers who are duped into signing up for services they don't want and make it easier for people who only want to get their free credit reports to do so -- without hassle. There has been a proliferation of confusing advertising regarding where consumers creditscore Austin can obtain their free annual [credit] file, according to the FTC. The new rules creditscore Austin were drafted because a provision in the Credit CARD Act of 2009 says, beginning Feb. 22, 2010, radio, TV and creditscore Austin other ads for free credit reports must include the following disclaimer: This is not the free credit report provided for by federal law. 3 credit reports and scores These advertisements direct consumers creditscore Austin not to AnnualCreditReport.com, the authorized source creditscore Austin for free annual file disclosures, but to creditscore Austin commercial websites operated by the nationwide CRAs (credit reporting agencies) or others that sell a variety of products and services, according to the FTC. Further, when a consumer uses an Internet search engine to find the website for free annual file disclosures, the search engine will usually list 'sponsored' links -- again, selling products creditscore Austin and services -- such as 'FreeCreditReport.com' first. As a result of this advertising, consumers are often misled and confused about where to go to obtain the free annual file disclosure mandated by federal law. Getting a 'free' credit report is one creditscore Austin of the most confusing and frustrating experiences there is. credit scores free
--Nicolas Guzman Virginia consumer The FTC is also seeking to make creditscore Austin getting free credit reports on the official site -- AnnualCreditReport.com -- less confusing for consumers. Today, the site makes it creditscore Austin easy for consumers to get sidetracked from the free path with ads and special offers for additional services that are not free. The proposal would ban those pitches until after consumers have signed up for their free reports. Also banned: requiring consumers to set up accounts on creditscore Austin the site before they can get their free reports. Hundreds comment on proposed rules Of the more than 1,000 comments filed with the FTC about the proposed changes, an overwhelming majority support the creditscore Austin new rules. Carl Levin, the National Association of Attorneys General and the National Consumer Law Center were among those supporting the rules. Among those expressing concerns for creditscore Austin commercial expression on the Internet and free creditscore Austin commerce were: the Interactive Advertising Bureau, National Business Coalition for E-Commerce and Privacy and the Direct Marketing Association.
The majority creditscore Austin of comments were from consumers, some fuming over what they call deception when trying creditscore Austin to obtain their free reports. 3 in one free credit report The last time I got mine, I ended up paying a monthly fee for about six months before I identified the charge.
This should not be tricky for senior citizens or anyone else, writes Patricia Poklemba of Virginia. Getting a 'free' credit report is one of the most confusing and frustrating experiences there is, writes Nicolas creditscore Austin Guzman of Virginia. The credit reporting companies do everything they can to confuse creditscore Austin you and get you out of the 'free' site and into their paid services. Nonfree commercial links should be CLEARLY stated as such or prohibited. I have to be very careful when I request my report to make sure I am on the right site and am not requesting any additional services I don't want, Carolyn Halloway wrote in her comment.
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