Free credit rating Boise

There has been a proliferation of confusing advertising free credit rating Boise regarding where consumers can obtain their free annual [credit] free credit rating Boise file, according to the free credit rating Boise FTC. The new rules were drafted because a provision in the Credit CARD Act of 2009 says, beginning Feb. 22, 2010, radio, TV free credit rating Boise and other ads for free credit reports must include the following disclaimer: This is not the free credit report provided for by federal law. These advertisements direct consumers not to AnnualCreditReport.com, the authorized source for free annual file disclosures, but to commercial websites operated by the nationwide CRAs (credit reporting agencies) or others that sell a variety of products and services, according to free credit rating Boise the FTC. Further, when a consumer uses an Internet free credit rating Boise search engine to find the website for free annual file disclosures, the search engine will usually list 'sponsored' links -- again, selling products and services -- such as 'FreeCreditReport.com' first. annual credit report site As a result of this advertising, consumers are often misled free credit rating Boise and confused about where to go to obtain the free annual file disclosure mandated by federal law.

Getting a 'free' credit report is one of the most confusing and frustrating experiences there is. The FTC is also seeking to make getting free free credit rating Boise credit reports on the official site -- AnnualCreditReport.com free credit rating Boise -- less confusing for free credit rating Boise consumers.

Today, the site makes it easy for consumers to get sidetracked from the free credit rating Boise free path with ads and special offers for additional free credit rating Boise services that are not free. free credit reports free The proposal would ban those pitches until after consumers have signed up for their free reports.

Also banned: requiring consumers to set up accounts on the site free credit rating Boise before they can get their free reports. Hundreds comment on proposed rules Of the more than 1,000 comments filed with the FTC about the proposed changes, an overwhelming majority support the new rules. Carl Levin, the free credit rating Boise National Association of Attorneys General and the National Consumer Law Center were among those supporting the rules. Among those expressing concerns for commercial expression on the Internet and free commerce were: the Interactive Advertising Bureau, National free credit rating Boise Business Coalition for E-Commerce and free credit rating Boise Privacy and the Direct Marketing Association. The majority of comments were from consumers, some fuming over what they call deception when trying to free credit rating Boise obtain their free reports. free credit score check The last time I got mine, I ended up paying a monthly fee for about six months before I identified the charge.

This should not be tricky for senior citizens or anyone else, writes Patricia Poklemba of free credit rating Boise Virginia. Getting a 'free' credit report is one of free credit rating Boise the most confusing and frustrating experiences there is, writes Nicolas Guzman of Virginia.

The credit reporting companies do everything they can to confuse you and get you out of the 'free' site and into their paid services.