So its website may not come with its own catchy jingle, but the Federal Trade Commission (FTC) knows credit reports. Don’t fall victim to that curly-haired French Canadian who sings for The FTC sponsored site is the ONLY authorized source for a truly free annual credit report. is free by federal law and supported by the Fair Credit Reporting Act. By using this government source, you are guaranteed access to your credit report from the 3 nationwide credit reporting companies: Experian, Equifax and TransUnion. You may stagger each report over twelve months, or request all 3 at one time. After twelve months, your access to the report is reinstated.

The FTC offers a free and legit way to obtain your credit report. I wouldn’t recommend using or the newest web addition, To reiterate, the FTC sponsored site is the ONLY authorized source for a truly free annual credit report. A representative for the FTC wrote,  “Other sites require users to pay hidden fees or agree to additional services in order to get a free credit report. If consumers don’t cancel the service during a short trial period, they’re likely to pay membership fees. The FTC encourages consumers not to pay for something they can get for free” (Brandweek).

And as far as the jingles go? I stand corrected… The FTC has its own spoofs of the famous commercials. Check them out, as well as your annual credit report, at

  • Post by AmandaC on November 5th, 2010

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    Amanda is a former Customer Service Representative for Central National Bank. In 2009, she graduated from the University of Kansas with a degree in strategic communication and moved from finance to a marketing and public relations firm. She loves her new job and stops in from time to time to say hello to her old bank friends.

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