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FreeCreditScore.com
FreeCreditScore.com and FreeCreditReport.com are websites owned by Experian Consumer Direct, a subsidiary of the credit bureau Experian. The sites offer users their personal credit reports from Experian on the condition that they sign up for Experian's Triple Advantage credit monitoring program for a fee. The credit report also comes with the user's PLUS credit score. The membership may be canceled with no charge within 7 days of signup by contacting the call center.
==Controversy==
FreeCreditReport.com as well as its affiliate site FreeCreditScore.com has been the subject of two major lawsuits. In 2005, the site's owner, Experian Consumer Direct, was sued by the Federal Trade Commission for deceptive marketing tactics. They settled for $950,000 in the form of free credit monitoring for those affected and agreed not to use deceptive and misleading claims about free offers and to offer full disclosure of terms and conditions of any free offers. The penalty was largely seen as ineffective since it amounted to a small fraction of the $72 million annual advertising budget for FreeCreditReport.com. They were further subjected to a 2006 inquiry by the Florida Attorney General for violating Florida's Deceptive and Unfair Trade Practices Act. An MSNBC.com investigation of the website called it "misleading", "deceptive" and a "scam". The program has also been identified as a scam by ConsumerFraudReporting.org.〔("A Free Credit Score Followed by a Monthly Bill" ) article by Ron Lieber in ''The New York Times'' November 2, 2009〕
The advertising practices of FreeCreditReport.com were specifically addressed in the Credit CARD Act of 2009. Now any company who advertises a 'free credit report' on TV or radio must include the statement: "This is not the free credit report provided for by Federal law."〔()〕〔()〕 The law also calls for the Federal Trade Commission to issue new rules that will force free credit report advertisers to inform consumers that the only place for a free credit report is AnnualCreditReport.com.〔
抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』
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