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For years, we’ve been hearing ads from freecreditreport. com.  As you probably know, it’s not true — the service is not free. 

The FTC has launched an educational campaign, pushing the actual free credit report service,  I’ve used it a number of times myself and it’s a great (and free) site.

Ed Dickson has written much more on the subject here.

It’s important to keep up on your credit report, for obvious reasons.  But you don’t need to pay.  You also don’t need to pay for all other services, like Lifelock, when you can easily do it yourself — for free.

Alex Eckelberry