skip to main content

Avoid Deceptive Credit Report Offers

After receiving more than one thousand comments from consumers, consumer reporting agencies, consumer report resellers, business and trade organizations, state attorneys general, consumer advocates, law firms, members of Congress, and academics, the Federal Trade Commission issued a rule in April 2010 to prevent deceptive marketing of “free” credit reports. Specifically, the Act requires that certain advertisements for free credit reports include prominent disclosures designed to prevent consumers from confusing these free offers with the federally mandated free annual credit reports.

Steer clear of deceptive offers – which often require consumers to spend money on credit monitoring or other products or services. The no-strings-attached credit reports are available at, or by calling 877-322-8228.

Not sure if an offer is legit? The Federal Trade Commission’s Free Credit Reports Rule will require new prominent disclosures. For example, any website offering free credit reports must include a disclosure, across the top of each page that mentions free credit reports, which states:


You have the right to a free credit report from or 877-322-8228, the ONLY authorized source under federal law. Information in credit reports may affect whether consumers can get a loan or a job, so it is important that consumers check their credit reports and correct any information that is inaccurate. Each of the nationwide credit reporting companies is required to provide consumers with a free copy of their credit reports once every 12 months upon request.