Many Free Credit Reports Aren't Free
There is still a lot of confusion about they hows and whys of these free credit reports. I'll let you in on a little secret...but you've got to promise not to tell anyone. The reason there is so much confusion is because there are tons of websites out there who make a commission everytime someone clicks on one of their links and signs up for the credit monitoring service or requests a free credit report (in conjuntion with the monitoring service), or buys a credit score or report. You can hardly expect these web marketers to simply give free information away when they can give a link to an almost free credit report and make a commmission on it.
Don't get me wrong. We make commission on those True Credit and MyFICO links, too. We also make money from the Google advertisements on various pages of the site. We use the money we make from those advertisements to pay for hosting and enhnacements to this site. We try not to let the advertisers dictate the content of the site and we strive to present the information about credit reports in a much more balanced (and truthful) manner. Our goal at Total Credit Reports is to give you all the information you need to understand your credit reports and credit scores. For example, we try to make it clear that after this year, everyone in the United States will be able to access their credit report from each of the three major credit bureaus once a year. Although this is true, the fact is, you might not get a full picture of your credit rating or credit worthiness unless you pay the extra fees to get a credit score. Credit scores can be purchased at the same time as you request your free credit reports, or they can be purchased separately.
The credit reporting industry is very confusing to most of us. We hope to be able to demystify the whole credit reporting process through this site.
For more info about the REAL free credit reports, check out our free credit reports page.
Article on MSNBC about the Not-so-free, free credit reports
Don't get me wrong. We make commission on those True Credit and MyFICO links, too. We also make money from the Google advertisements on various pages of the site. We use the money we make from those advertisements to pay for hosting and enhnacements to this site. We try not to let the advertisers dictate the content of the site and we strive to present the information about credit reports in a much more balanced (and truthful) manner. Our goal at Total Credit Reports is to give you all the information you need to understand your credit reports and credit scores. For example, we try to make it clear that after this year, everyone in the United States will be able to access their credit report from each of the three major credit bureaus once a year. Although this is true, the fact is, you might not get a full picture of your credit rating or credit worthiness unless you pay the extra fees to get a credit score. Credit scores can be purchased at the same time as you request your free credit reports, or they can be purchased separately.
The credit reporting industry is very confusing to most of us. We hope to be able to demystify the whole credit reporting process through this site.
For more info about the REAL free credit reports, check out our free credit reports page.
Article on MSNBC about the Not-so-free, free credit reports
posted by Dave at 4:30 PM
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