Everyone’s heard of FreeCreditReport.com, right? But go to this page, and you’ll have the option of paying $39.95 for credit reports from the three major reporting companies or $14.95 for a single report from Experian. What happened to free? Well, there is a place to click for a free report. But read the fine print, “When you order your free report here, you will begin your free trial membership …” Whoa! What free membership? All I wanted was a free credit report! Worse, the “free” membership starts costing $14.95 a month if you forget to cancel during the 30-day trial period. For a FREE credit report, go to http://www.annualcreditreport.com. Granted, you won’t get your credit score for free. But you will get all the other credit information that is being reported about you. This is what you’ll need for doing a periodic check of your credit report, to make sure there are no erroneous negative entries. For more about credit reports and your rights as a consumer, visit the Federal Trade Commission at http://www.ftc.gov/credit. That site is free, too!