Credit Reports

Some 'free' credit reports aren't free

Companies offering free credit reports are pretty savvy with their marketing, using humor and catchy songs to attract consumers into using their services. The problem is that the "free" credit report offered by these companies is often just bait to get you to buy a subscription credit monitoring service. Fortunately, the Credit Card Act of 2009 requires credit reporting companies to disclose what they're really up to - albeit in fine print or fast-paced dialogue.

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