ERA Credit Services

Month: December 2014

A Free Credit Score? Look Again!

The Federal Trade Commission (FTC) has shut down a marketing scheme by as many as 50 websites that lured consumers into unknowingly paying monthly fees to receive a free credit score.

free credit score

“View your latest Credit Scores from All 3 Bureaus in 60 seconds for $0!”, was one pitch to get consumers to actually sign up for a monitoring service that charged them monthly fees and was extremely difficult to stop.

Some of the websites that promoted these credit monitoring programs included,, and The FTC claims that hundreds of thousands of consumers unwittingly signed up for their ‘free’ credit score not realizing that they were also signing up for a monitoring program and were being charged a monthly fee.

How to Avoid Getting Charged for a Free Credit Score

Be aware that anytime you are asked provide payment information, you run the risk of getting charged for something other than what you intended. Free trial offers that require consumers to include credit card or bank account information can be something you want to avoid. And, always research the terms of offers. Buried somewhere may be contractual language that obligates you to pay for something you do not want and/or was not disclosed in the original offer.

How to Get a Truly Free Credit Report

If all you desire is to receive a free copy of your credit report from either Experian, Equifax, or Transunion (the 3 major credit bureaus), then visit This website will allow you to see online, print out, or save as a PDF document one free credit report from each of the bureaus once per year. However, be aware that you won’t receive a free credit score. If you want to also see your credit score you will be asked to pay a fee. You may also see an offer to pay as little as $1.00 to see your score but, as the information above describes, be asked to sign up for a monitoring program that will charge monthly fees.

About ERA Credit Services

ERA Credit Services provides a truly free credit score and credit reports ongoing to it’s clients as part of the overall service of restoring their credit. ERA Credit Services specializes in working with consumers to leverage their rights under the Fair Credit Reporting Act and remove erroneous, obsolete and unverifiable derogatory items from their credit report. ERA Credit Services works with consumers in all 50 states and is located in San Diego, CA and Clearwater, FL. Agents are available to speak with clients about credit repair in Tampa, St. Petersburg, Clearwater, San Diego, all cities in Pinellas, Hillsborough and San Diego Counties and all other states in the U.S..