FreeCreditReport.com

FreeCreditReport.com

FreeCreditReport.com is a website owned by Experian Consumer Direct, a subsidiary of the credit bureau Experian. The site offers users a chance to check their personal credit reports from Experian on the condition that they sign up for a 7 day free trial of Experian's Triple Advantage credit monitoring program. The credit report also comes with the user's PLUS credit score. The credit report is free as long as membership is cancelled before the end of the free trial.

Advertising

FreeCreditReport.com is the primary sponsor of the #38 Ford Fusion in the NASCAR Sprint Cup Series, driven by David Gilliland and owned by Yates Racing.

Early advertisements featured an explanation of how the company worked. The company's current advertising campaign features an unlucky guy (played by French-Canadian actor Eric Violette) who unknowingly has bad credit for one reason or another (identity theft, his girlfriend defaulting on credit cards, and such), with him and his friends performing songs about how he should have gone to FreeCreditReport.com.

Controversy

FreeCreditReport.com has been the subject of two major lawsuits. In 2005, they were 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. [cite news|url=http://www.consumeraffairs.com/news04/2005/ftc_consumerinfo.html|title=Marketer of "Free Credit Reports" Settles FTC Charges|date=2005-08-16|accessdate=2008-03-27|work=Consumer Affairs] They were further subjected to a 2006 inquiry by the Florida Attorney General for violating Florida's Deceptive and Unfair Trade Practices Act. [cite news|url=http://redtape.msnbc.com/2006/11/florida_ag_inve.html|title=Florida AG investigates FreeCreditReport.com|first=Bob|last=Sullivan|date=2006-11-15|accessdate=2008-03-27|work=MSNBC] An MSNBC.com investigation of the website called it "misleading", "deceptive" and a "scam". [cite news|url=http://redtape.msnbc.com/2006/09/dont_fall_for_f.html|title=Don't fall for FreeCreditReport.com|date=2006-09-12|accessdate=2008-03-27|first=Bob|last=Sullivan|work=MSNBC]

References

External links

* [http://www.yuppiepunk.org/2008/07/jingles-all-the-way.html Interview with David Muhlenfeld] who wrote the FreeCreditReport.com jingles
* [http://www.garagespin.com/archives/free-credit-report-song-commercials-music-mp3-and-lyrics.html Jingle Lyrics] to all the jingles of all the FreeCreditReport.com commercials
* [http://www.freecreditreport.com FreeCreditReport.com]
* [http://www.freecreditreportband.com/ Official web site of the band from the commercials]


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