FreeCreditReport.com is a commercial, Experian-owned platform offering credit monitoring and FICO scores, which should not be confused with the government-mandated, free, three-bureau service at AnnualCreditReport.com. While legitimate, the site has faced scrutiny for marketing practices that may lead to paid subscription fees if trial offers are not cancelled. For more details, visit FreeCreditReport.com . Free Credit Reports - FTC Consumer Advice