It will hopefully come as no surprise that (if you’re in the United States) you can, annually get a free credit report from each of the major reporting agencies. You’re encouraged to do so, getting one every four months, so you have an idea if there is any fraud or anything you need to have corrected.
As soon as this was mandated, it spawned a website that said it was getting those reports for you for free–but only if you signed up for their credit monitoring service which *gasp* has a cost. This company has invoked the musical jingle on television.
The FTC has taken an amusing step to point to the site where actually free reports can be requested. You know, the FTC sponsored site? They’ve spoofed the commercial–complete with Irish dancers. (Embedded below)