I fell for the advertised "Free credit report" and requested it through freecreditreport.com. I should have spent time reading the terms of the service, but I hope my lesson will be a warning for you.
I got my free report from this website. Two months later I noticed two charges from "CIC Triple Advantage" on my credit card in the amount of $12.95 per month. I contacted my credit card company but they said nothing they can do. I then called 1-877-481-6826 to cancel my membership I signed up for without realizing it. It seemed the monthly charges have stopped and the "free credit report" cost me $26.00.
So, before you enter you billing information, take the time to read what's on the left side of the screen of their website.
And it says the following:
"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 30-day trial period, you will be billed $12.95 for each month that you continue your membership.
ConsumerInfo.com and Freecreditreport.com are not affiliated with the annual free credit report program. Under a new Federal law, you have the right to receive a free copy of your credit report once every 12 months from each of the three nationwide consumer reporting companies. To request your free annual report under that law, you must go to
www.annualcreditreport.com.
Remember, all free credit reports are not created equal. Get your Free Credit Report and Credit Score from the leading provider of consumer credit monitoring products."
Instead of enrolling into trial membership go to
www.annualcreditreport.com and request it there. This will save you time and possibly money.
