Free Credit Report?

Don't believe what you hear on television – even with the catchy “Free Credit Report dot-com” jingle. That's the last place you wanna visit for a credit report, Ponzi says. She's the master (mistress?) of credit reports, so she oughta know. Instead, she suggests going to Annual Credit Report – which is the really, truly free service: processes requests for free credit file disclosures (commonly called credit reports). Under the Fair and Accurate Credit Transactions Act (FACT Act) consumers can request and obtain a free credit report once every 12 months from each of the three nationwide consumer credit reporting companies. provides consumers with the secure means to do so.

Okay, that works for me. I thought the “Free” in “Free Credit Report dot-com” was really free – but it's not, according to her. Hey, if the Annual Credit Report site does the trick with no hidden gotchas – I'm all for it. According to Equifax, Experian, and TransUnion, I have a credit score of bleen!