Sites Offering ‘Free’ Credit Reports: Worth Consumer Consideration?

This report examines Web sites that offer consumers paid access to their credit reports in combination with credit scores, credit monitoring, and/or identity theft insurance. These sites are alternatives to annualcreditreport.com, created as a result of the Fair and Accurate Credit Transaction Act of 2003 (FACTA), which entitles consumers to obtain, once a year, a free copy of their credit reports from each of the three major credit reporting bureaus – Equifax, Experian, and Transunion.