The Original FreeCreditReport.com Band Is Back Together

The Original FreeCreditReport.com Band Is Back Together

Did you miss the original band of friendly, slackerish white dudes who pretended to play ditties about the dangers of poor credit FreeCreditReport.com ads? Yeah, neither did anyone else. But even though they held a nationwide contest to find their current house band two years ago, the magic just wasn’t there. Maybe the new guys weren’t irritating enough. So the old crew is back together to annoy us. [More]

The Ins & Outs Of Getting And Using Your Free Credit Report

The Ins & Outs Of Getting And Using Your Free Credit Report

Regular readers of Consumerist know full well that those websites like FreeCreditReport.com and FreeScore.com (you’ll forgive us for not actually linking to them) are not exactly what their names might have you believe. But there are new consumers born every day, so it doesn’t hurt clarifying once again that there is only one place to score your credit reports with no strings attached. [More]

The Credit Score Experian Is Selling You Isn't The One Lenders Consider

The Credit Score Experian Is Selling You Isn't The One Lenders Consider

If you’ve ever turned on a TV, you’ve seen those dudes singing about getting your credit score and making it seem like a good thing to do. Which it is, really, important to know that kind of thing. But a a new lawsuit filed against Experian, a super huge credit bureau, says that the company is intentionally misleading consumers about their scores. [More]

My Bank Is Very Strongly Telling Me I Should Definitely Do This, Or Else

My Bank Is Very Strongly Telling Me I Should Definitely Do This, Or Else

When you get a strongly-worded letter from your bank with big deadlines printed on it, and words like “THIS NOTICE IS REQUIRED BY LAW” and other “RECORDS REVIEW” and other ominous phrases, one might think, “Hey, this is something important I have to do.” Or maybe it’s actually just an offer for a free credit report that you can just toss. [More]

14 Reasons Why Countrywide Is In The Worst Company Hall Of Fame

14 Reasons Why Countrywide Is In The Worst Company Hall Of Fame

As the news breaks that Angelo R. Mozilo, the curiously orange former CEO of Countrywide Financial, has agreed to pay millions of dollars in fines, we decided to take a walk down Countrywide’s Memory Lane… which happens to be a street littered with abandoned and foreclosed houses. [More]

MTV News Becomes Paid Shill For FreeCreditScore.com

MTV News Becomes Paid Shill For FreeCreditScore.com

Maybe you didn’t take MTV News too seriously to begin with, but if you did you might want to reconsider. BrandChannel started noticing that MTV News was posting articles about FreeCreditScore.com’s contest for a new sellout band for its TV spots. (This is the same company as FreeCreditReport.com; both charge for their services and generally suck.) The problem with the paid MTV sponsorship is that it’s not disclosing that the “news stories” are just advertorials. [More]

A List Of 18 "Free Credit Report" Websites Warned By The FTC

A List Of 18 "Free Credit Report" Websites Warned By The FTC

The FTC recently amended the Free Credit Reports Rule to require “certain disclosures to help consumers distinguish between ads for free credit reports that often require them to buy credit monitoring or other services.” [More]

FreeCreditReport Looking For New House Band

FreeCreditReport Looking For New House Band

Our friends at FreeCreditReport.com, now required by to change their services by the FTC, plan to rebrand as FreeCreditScore.com. They’re also looking for a new house band, to play a whole new set of insipid and misleading but catchy credit-related ditties. Your band, if you have one, can enter. If you don’t, you can vote. [More]

FreeCreditReport.com Just Got Even Less Free

FreeCreditReport.com Just Got Even Less Free

Between their irritating ads and misleading name, FreeCreditReport.com has been a target of Consumerist’s derision for years. And now the “service,” which was never free to begin with, will actually cost you a dollar to use. [More]

Holy Crap, The FreeCreditReport.com Guy Is French-Canadian

Holy Crap, The FreeCreditReport.com Guy Is French-Canadian

In celebration of the upcoming FTC-mandated drastic changes to “free” credit report advertising and web sites, public radio program Marketplace located the actor and musician who serves as the public face of FreeCreditReport.com in its horrifically catchy ads. That’s when they discovered something that, as they put it, means you will never look at the ads the same way again. The singing spokesdude, Eric Violette, is actually a pretty talented musician, but he isn’t the man singing the jingle. See, the commercials were cast and filmed in Montreal, and Violette has a distinct French accent. [More]

Come September, Freecreditreport.com Must Come Clean In Ads

Come September, Freecreditreport.com Must Come Clean In Ads

If you really love those Freecreditreport.com commercials just the way they are, take this next half year to pause and reflect on what they mean to you, because in September, the Huffington Post reports, owner Experian will have to start telling people their side business isn’t the real way to get free annual credit reports from the government. We had this story last year, but in the wake of CARD act reforms, it bears repeating. [More]

Is That Credit Score FICO Or FAKEO?

Is That Credit Score FICO Or FAKEO?

Donny just bought a bunch of credit scores. But they’re all from different companies and none of them are the same. What gives? [More]

Experian Sued Over Deceptive FreeCreditReport.com Ads

Experian Sued Over Deceptive FreeCreditReport.com Ads

Freecreditreport.com is getting class action sued, baby. Their ubiquitous singing ads make it sound like you’ll go their website and get a free credit report, but they don’t tell you that’s only after you sign up for a $14.95 monthly credit monitoring service. “FreeCreditReport.com tells people they will get something for free, and you do, but you have to pay for something else, and there’s not sufficient notice,” said John Balestriere, lead attorney. I agree, so I made up my own parody Freecreditreport song: [More]

Nine Things That Are Overpriced

Nine Things That Are Overpriced

CNN Money has put together a slideshow (ugh) of nine of “America’s biggest rip-offs,” and I think we’ve covered all of them at one point or another on Consumerist. [More]

Mint Upselling To "Free"CreditReport.com

Mint Upselling To "Free"CreditReport.com

It didn’t take long for Intuit to start ruining a great product. They’ve begun upselling Mint.com customers to two “free” credit report sites that are anything but. UPDATE: Turns out Mint was already doing this pre-Intuit. Bully for them.

FTC Wants Your Input On How To Improve AnnualCreditReport.com

FTC Wants Your Input On How To Improve AnnualCreditReport.com

The problem with annualcreditreport.com—other than its name—is that getting your reports from the site is a little like dealing with GoDaddy: you have to deal with upsells and side-sells at every step. You can indeed get your free credit reports from the site, but you’ll also have to keep turning down other offers from the three participating bureaus. Hell, there are even ads (sorry, “sponsor” links) on the home page, the one place where you’d hope for the least consumer confusion.

Hiring Consultant Warns: "No Connection Between Credit History And Job Performance"

Hiring Consultant Warns: "No Connection Between Credit History And Job Performance"

Almost half of all employers use credit reports to judge job applicants, even though credit histories have no relation to job performance. Personal finance goofs are only relevant for jobs that deal directly with money—cashiers, account managers, and the like. For everyone else, negative credit reports keep otherwise capable people from securing a job to help avoid further financial problems. So why do so many companies still ask for credit reports?