CGunst notes the FTC’s approach to free credit reports:

FTC takes on “free” credit report ads with their own ads http://bit.ly/2pxjt2“Don’t be misled…they’ll sell you something else instead.”

The New York Times article notes consumer confusion over what free credit reports are and how they work.

The main thrust of the FTC and article is that consumers don’t need advanced credit monitoring. Obviously, that stands in the realm of opinion. However, it is important to note that credit report services allow consumers to see their credit score- a common number that determines many credit decisions- as well as a regular list of charges. In addition, most of the credit report services include a free trial period before any subscription begins. It’s not obligatory that you subscribe to their service.

You can peruse our selection of credit reports- whether you try one out, subscribe, or forgo the monitoring services altogether is a decision that’s up to you.