Currently, TV and radio ads are ridiculously deceptive. I admit I am entertained by the silly ads featuring the "free credit report.com guy"--especially the one in renaissance gear. But the purpose of these ads is utterly deceptive, and the general public is deceived on a regular basis. (Obviously, or these ads would not keep running.) This twists the purpose of the free credit report law. These ads should be banned completely. Failing that, a tiny print disclaimer or fast-voiced audio disclaimer is not enough to stop the confusion. Someone in the ad would have to say very clearly that this is not the real deal. When I get to the genuine free credit report site, I do not want to be offered paid services. That also is very confusing. And it is extortionate: as a consumer, I fear that the company will not provide the free service mandated by law unless I buy something. Just the way companies used to extort purchases to "increase" one's chances of winning their sweepstakes. For all I know, Publisher's Clearinghouse is still doing it. But it is wrong. A free service should be just that: free. If you want the law to work, you should not allow these commercial interests to muddy the waters.
16 CFR Part 610 Amendments to Rule to Prevent Deceptive Marketing of Credit Reports and to Ensure Access to Free Annual File Disclosures #545091-00480
16 CFR Part 610 Amendments to Rule to Prevent Deceptive Marketing of Credit Reports and to Ensure Access to Free Annual File Disclosures