Yeah, technically it is free but if you don’t cancel, you will be automatically billed at the regular price (which was .95 per month last I checked).
Now in all honesty, I actually don’t have a problem with these types of “free” trial offers.
Thanks to all those TV commercials for Life Lock and Identity Guard, the business of selling monthly ID protection subscriptions seems to be hotter than ever (but it’s debatable whether they’re justified).
So I guess it comes as no surprise that we’re getting bombarded with ID theft prevention ads when all we want to do is get our free credit reports.
, CBS and NBC, here’s our step-by-step guide on how to take a nearly free family trip to Walt Disney World (,000 savings) using credit card rewards points!I have heard people allege that there is some sort of Annual Credit scam going on when they can’t access the website. When a credit bureau is unavailable like this, it’s probably due to routine site maintenance or some other temporary issue. This is frustrating to encounter but don’t worry, this is NOT a scam. A couple times when I’ve used the Annual Credit website, I wasn’t able to pull all my reports.Their theory is that it’s allegedly used as a trick, to deter them from the free report and, instead, go to credit bureau’s website directly and buy a report. If that happens, just check back later and it should be working. A message would be spit back saying they can’t confirm my identity and to get the report through this site, I would have to jump through hoops to validate my ID.I don’t think they are a scam as long the terms are clearly and prominently identified (in order words, if the consumer truly knows what they’re signing up for).But, the way this “free” trial is displayed *could* potentially mislead a consumer and be confusing to those who erroneously believe they’re on a government site.We’re going to cover everything in detail below, but you can also download our checklist of the plan for your reference.