Is a Rip Off?

THIS NOTICE IS REQUIRED BY LAW. Read more at FTC.GOV. You have the right to a free credit report from or 877-322-8228, the ONLY authorized source under federal law. Take me to the authorized source. from the credit bureau Experian provides access to your credit reports and credit scores as well as 3-bureau credit monitoring services with a 7-day free trial offer, but they are often confused with, the official annual credit report website, causing many customers to claim ripped them off.

But is really a rip off?

The official answer to that question is yes, at least according to the Experian Class Action Lawsuit Settlement, which made claims that Experian advertising practices did not comply with the Credit Repair Organizations Act.

However, even though Experian agreed to the settlement, does not claim to be associated with the official credit report website, and they even provide disclaimers on the website disassociating them from, albeit in somewhat fine print that unwary consumers may miss.

In their defense, provides all of the services they promise, including credit reports, credit scores, and credit monitoring services, and they clearly indicate the terms of their free trial offer for review prior to signing up, but it’s important to know what you’re getting before you join.

What Services Does Provide? provides you with your Experian credit score and free PLUS Score from Experian when you sign up for their free 7-day trial offer for Triple Advantage Credit Monitoring services.

The 7-day free trial offer is absolutely free to join, but you will have to provide your credit card during registration, and you will be automatically charged if you don’t cancel the services before the 7-day trial period expires.

Officially, you have 9 days from enrollment to cancel your free trial membership, because it takes 48 hours after your enrollment for the credit monitoring services to begin, but if you don’t cancel your services before the trial period expires, you will be charged $14.95 for each month thereafter that you continue your membership.

Triple Advantage monitors your credit reports at the 3 major credit bureaus Equifax, Experian, and TransUnion on a daily basis and alerts you by email to any key changes in your credit reports and potential signs of credit fraud, plus it offers a $50,000 identity theft insurance guarantee to help protect you against the financial costs of credit fraud.

As long as you’re a member of Triple Advantage, you’ll receive unlimited access to your Experian credit reports and PLUS credit scores, but it’s important to understand that you can get access to your credit reports from all 3 credit bureaus once every 12 months, and the Experian PLUS score is not the same credit score as your FICO credit score, FICO being the official credit score used by creditors to assess your credit worthiness. provides you with unlimited access to your Experian credit reports and your Experian PLUS Scores as well as 3-bureau credit monitoring services to help protect your identity, plus you get the free trial period during which you can cancel the services to avoid future charges, although some of the complaints against charge that they make it difficult to cancel your subscription.

Getting Your Official Credit Reports

Visit to order your official credit reports from Experian, Equifax, and TransUnion.

Each of the 3 major credit bureaus is required by law to provide consumers with access to their credit reports once every 12 months, and you may also receive a credit report if you are denied credit or have adverse actions taken against you.

This is the best way to get access to your credit reports, but since you can only get 1 credit report from each credit bureau every 12 months under normal circumstances, this may not be ideal if you need regular access to your updated credit reports.

Read our article about Ordering Your Credit Reports for more information on ordering and monitoring your credit reports. Versus

If you’re just looking to get your credit reports without any commitment, then is definitely the best option for you, and you should order and review your credit reports regardless of whether you intend to sign up for additional credit monitoring services.

However, if you would like unlimited access to your Experian credit reports and PLUS Scores with the added benefit of credit monitoring services to protect you against identity theft, then you may also want to consider the Triple Advantage Credit Monitoring services available when you sign up for

Is a Rip Off?

Unfortunately, has caused a lot of confusion amongst consumers, and their marketing practices have not helped to clarify the situation, so a lot of their customers feel ripped off.

However, it’s also a customers’ job to review the products they purchase carefully, especially when it comes to supplying credit card information and personal financial data.

So who’s to blame in the end? Both the company and costumers probably.

If a company wants to retain their customers by offering a valuable service, then it’s in their best interest to advertise their services honestly so the consumer fully understands the services they are retaining.

On the other hand, customers must be diligent when signing up for credit services and providing credit card information to companies, and we always need to read the fine print. is a domain name so perfect in its singular representation that it makes consumers think they’re signing up for something they’re not, which makes it an incredible advertising achievement for the Experian marketing department, but it fails to meet the needs of the consumer by confusing the reality of the product being purchased.

The irony in all this is that does provide a credit report (during the free trial period), but they’re just not the official site for receiving your yearly credit reports.

Whether this confusion was caused intentionally is the true judge of whether or not is a rip off, but Experian did agree to the lawsuit settlement, so whether it was intentional in the first place or not, they’re definitely aware of the situation now.

As with so many things in life, maybe being ripped off is in the eye of the beholder, so we’d love to hear your opinions and experiences in the comments below.

Additional Credit Monitoring Resources

Read our myFICO Credit Services Review for information on ordering your official FICO credit score.

Review more Tips and Information on Credit Monitoring Services.


  1. John says

    Not only is Experian ripping off folks with their “free credit report” and auditing services, now they are marketing under another “protect your identity .com” address.
    Worse is the fact that this is the only one of the big three that is virtually unreachable when tryng to lock/unlock your SSN for a simple $10 fee — a service under law (in most states) that anyone can have from the big three. I’ve had my SSN locked by them for years, and whenever I need to unlock for a brief window to get credit, Experian is not available to receive my PIN by phone — Equifax and TransUnion have either automated or live operators to accomplish.
    Another suit needs to occur.

  2. JJJJ says

    regardles off all the morons who forget to read the fine print, Experian is charging my card twice a month for the same service. They also refuse to cancel my account because they think I am lying about my zip code. So it is in fact a rip off in every sense of it. It doesn’t say in the fine print that card will be charged double fees for no apparent reason.

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