Advertisements I really can't stand...

[Imperial Knight]

Not to mention that if you want a truly free credit report, you can always just go to annualcreditreport.com without having to sign up for any nonsense.

[PottleElf]

The commercial is pretty insulting and annoying. The first person says "Can you say Free credit score.com 3 times fast?" then the rest of the commercial everyone just keep's trying to say it. Apparently the company dosn't think I'm smart enough to figure out that it's just a tactic to engrave the website on my brain. I mean, It's not exactly a tongue twister.

I still don't understand why their main spokesman has a faux-hawk. I thought that went out of style.

[Monde Luna]

I just discovered I can't stand the taco bell black taco commercial... It's probably my least favorite commercial ever.

[liquidpolicenaut]

The commercial is pretty insulting and annoying. The first person says "Can you say Free credit score.com 3 times fast?" then the rest of the commercial everyone just keep's trying to say it. Apparently the company dosn't think I'm smart enough to figure out that it's just a tactic to engrave the website on my brain. I mean, It's not exactly a tongue twister.

The funniest thing I find about the Free Credit Score commercial is that they have all these idiots saying specifically "FreeCreditScore.com" over and over to, I dont know, make you remember the website, right? YET, the website is actually freecreditscore3.com lol

As for the Freecreditreport.com...I actually like most of the songs lol I know the website is kind of a hoax on the whole "free" issue, but I still like most of the songs. Funny thing is that the guy singing the songs in the commercial isnt really singing them, he's just lip-synching to it...

[Quark]

As some of you have mentioned, freecreditreport.com is not actually "free". This sort of advertising is highly deceptive, and honestly companies like this should be shut down. annualcreditreport.com is the place to go for a free copy of your credit reports as I believe someone already mentioned. This site receives grants from the government to offer this service.

A couple things I think everyone should know.
1) You are legally entitled to one free copy of your credit report every year from each of the three major credit reporting agencies: Equifax, Experian, and Transunion.

2) Since each of these reports contains very similar information, it is not a bad idea to stagger your requests if you want to monitor your credit regularly. In other words, you could order your credit report from Equifax in February, from Experian in June, and from Transunion in October. This way you can monitor your credit for suspicious activity three times a year.

3) Besides annualcreditreport.com, it is also possible to call the credit reporting agencies and order copies of your credit report. This is especially helpful for those of you who have people in your life who do not have access to the internet or are not computer literate.

4) If you notice suspicious activity when you review your report, you should consider placing a "fraud alert" on your account with the credit reporting agencies. A fraud alert will monitor your account for 90 days, and you will be notified of any activity associated with your credit.

5) If you regularly have problems with your credit, you can ask for a "credit freeze". This is a more drastic step than the fraud alert and freezes your credit so that no accounts can be opened without calling you first and asking a series of security questions. This will prevent a lot of fraud but will also make you have to prove who you are whenever you legitimately want to open an account or get a credit card.

6) If you ever feel that you have been the victim of identity theft, you should consider some further steps than what has been outline above. File a report with your local police. This step is very important. It is not important because the police department is necessarily going to find the culprit. It is important because it will serve as evidence if you are victimized again in the future. Also, cancel and renew all your accounts. You may want to consider contacting the Federal Trade Commission's Identity Theft Hotline for further advice. You also may want to notify the Social Security Administration.

Sorry everyone, I guess this would have been more appropriate as a separate topic.

[Werefrog]

Sorry everyone, I guess this would have been more appropriate as a separate topic.

No need to be sorry. This is very helpful information. Thanks for posting!