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Crook Alert!! Costly "Free" Credit

Updated on November 19, 2009

Free Credit Scam

I wondered who was paying for Experian's annoying Free Credit TV commercials. Now I know. Many people who request the "free" credit reports fail to read the fine print and unknowingly sign up for an expensive ($179.40/year) and, for most people, unnecessary credit monitoring service. An article and video from the 11-18-09 NY Times is linked below. There is only one absolutely free source of free credit reports. It is--

Read the fine print before signing up for "free" services and allowing monthly charges to your credit card or debits to your checking account! has also experienced many complaints from unhappy customers who have had difficulty stopping the credit card charges or bank account debits.

A credit card company tried time after time to sign me up for a similar credit monitoring service using scare tactics about all the dire possibilities that their service would prevent. However, they acknowledged in the spiel what the monthly charges would be after the "free trial period."


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    • Ralph Deeds profile imageAUTHOR

      Ralph Deeds 

      10 years ago from Birmingham, Michigan

      Thanks, AJ and CWB.

    • A.J. Frank profile image

      A.J. Frank 

      10 years ago from Rochester


      I accessed and looked this up. The ONLY way to get an absolutely free credit report (once yearly) is to log onto:

      This site will allow you to get a credit report from all 3 agencies once yearly at no cost. For a few bucks more, you can get your credit score, but you don't have to.

      I know this works because I used it. It's easy!!

    • profile image


      10 years ago

      You are providing an invaluable service with your investigative reporting Ralph. Keep up the excellent work.

    • Army Infantry Mom profile image

      Army Infantry Mom 

      10 years ago

      Good hub Ralph,...That fine print is a *ss biter thats for sure. My theory,..nothins free - if it is - watch out. Hopefully this hub will prevent anyone else being scammed.

    • blue dog profile image

      blue dog 

      10 years ago from texas hill country

      thanks, ralph, for this info. everywhere one looks there's another hook.

    • Lady_E profile image


      10 years ago from London, UK

      Its' good that you are making people aware of this Scam. Experian Ads are all over the internet and have been for a while - I just ignore them.


    • Ralph Deeds profile imageAUTHOR

      Ralph Deeds 

      10 years ago from Birmingham, Michigan

      "Free" with "triple advantage"!

    • A.J. Frank profile image

      A.J. Frank 

      10 years ago from Rochester

      Great info I was wondering what they meant when they said "free with enrollment in triple advantage." Didn't sound free to me.


    • Ralph Deeds profile imageAUTHOR

      Ralph Deeds 

      10 years ago from Birmingham, Michigan

      Good to get confirmation from an insider! Thanks, jib.

    • jiberish profile image


      10 years ago from florida

      Ralph, I worked for two large credit card companies and both offered it to customers. Only after they got their bill did they realize it wasn't free. BAC would sometimes reverse the charges, while Capital One did not. It's a scam al right. Good job!

    • JamesBenjaminJrMD profile image


      10 years ago from USA

      Very Good Research Mr. Ralph Deeds!

    • Ralph Deeds profile imageAUTHOR

      Ralph Deeds 

      10 years ago from Birmingham, Michigan

      I think you're right.

    • eovery profile image


      10 years ago from MIddle of the Boondocks of Iowa

      Yeah, I hate these things.

      You have to be careful on everything you look at today. Especially if it says free. I think the meaning of free has been changed to, sign up for our services.

      Keep on hubbing!

    • kartika damon profile image

      kartika damon 

      10 years ago from Fairfield, Iowa

      Thanks for the warning! - I wondered about this too!

    • breakfastpop profile image


      10 years ago

      Dear Ralph,

      Important hub. Thanks so much for the info.


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