Making Cents Blog

Don’t be fooled by “free credit report” ads

Alliance Credit Union helps you get your free credit reportA recent article in the New York Times indicates that the Federal Trade Commission has taken issue with those ubiquitous free credit report ads. The issue is that credit reports at certain Web sites aren’t free unless you pay for a monthly credit monitoring service.

Because many consumers have some idea that they have a right to a free credit report, but not where to get it, they assume that these free credit report Web sites are the place. Alliance reminds you that you do have the right to free credit reports through the Annual Credit Report Request Service at

For most consumers, periodically checking your credit report for inaccuracy or identity theft is sufficient; you don’t need to pay for credit monitoring.

If you would like to schedule an appointment with a Member Relationship Manager to discuss your credit report and how to improve and protect your credit standing, please call us at 800.232.8669. One of our representatives would love to sit down with you and answer any questions you may have. As always, this service is complimentary.

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