We’ve been covering the effects of the new CARD act. In addition to legislation, organizations like the FTC continue to act on credit rules and regulations.

The latest news? The FTC is requiring disclosures on credit report sites.

It’s good for consumers to be aware of their options, in any case. Conversely, credit report sites do offer credit monitoring services that some consumers may value more. However, it’s good for consumers to realize they have a choice.

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 …

Teke_Wood has a variation of a comment we see a lot:

I think the “Free Credit Report” guy is cute…but in other commercials he is ugly….odd?

We wrote here about where to see the commercials and how to get a Free Credit Report ringtone. But there are still a few more questions left. First on the list? Who is the FreeCreditReport.com guy?

His true identity is Eric Violette, and he’s an actor. The truth? He’s French Canadian, born in Montreal, and doesn’t sing in the commercials. His actual …

Katiedoyle is laughing- and possibly singing along:

Hahaha! My step brother’s ring tone is the free credit report song.

It’s Friday and, of course, that means having a little fun. That’s why we’re answering a crucial financial question: How do you get a FreeCreditReport.com ringtone?

First, we have to review the basics. You can look here for our full selection of credit reports, or read our equally serious report on where to see the FreeCreditReport.com commercials. Now that the boring stuff is over with, how can you get that …

Every day, we see quite a few tweets about one series of commercials. As Drunkmuppets says (yes, the phrase “Drunk muppets” just appeared on a financial site):

These free credit report commercials crack me up!

If you need to get your fix for FreeCreditReport.com commercials, you can see the official channel here. It has archives of the major ads for the site.

Of course, FreeCreditReport.com is run by Experian. You can click to browse our full selection of credit reports, including FreeCreditReport.com.

Naturally, a post wouldn’t be complete without …