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Websites Get FTC Warning on Marketing Free Credit Reports

FTC Warns Websites That Offer ‘Free’ Credit Reports: Disclose Federally Mandated Free Reports or Face Prosecution

The Federal Trade Commission is warning 18 Internet websites offering free credit reports that they must clearly disclose that a free report is available under federal law. The FTC’s recently amended Free Credit Reports Rule, which took effect April 2, 2010, requires certain disclosures to help consumers distinguish between ads for free credit reports that often require them to buy credit monitoring or other services, and the federally mandated no-strings-attached credit reports available at or 877-322-8228. For example, websites offering free credit reports must have a disclosure, with links to and, that appears across the top of each page that mentions free credit reports. Violators are subject to legal action that can result in penalties of up to $3,500 per violation. The Commission vote to publicly disclose the warning letters was 5-0.

Warning letters are being sent to the following:

  • National Credit Report.Com LLC –
  • Quinstreet, Inc. –
  • MyCreditCenter.Com, Inc. –,,
  • Vertrue, Inc. –,,,,
  • ConsumerTrack, Inc. –,,
  • ConsumerDirect, Inc. –,
  • Mighty Net, Inc. –
  • Amie Nguyen –
  • Amanda Raab –


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Steve Rhode
Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
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    To compare UK credit report providers including Experian, Equifax and CallCredit visit:
    They also explain how to get your credit report for free!

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