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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.

When the end of the year rolls around – like the fourth quarter – I regularly hear from consumers who rush to check all three credit reports, thinking the clock will reset on January 1.

It’s not until the following year when they discover they will have to wait twelve full months checking before they can do it again.

On the Credit Boards, I noticed a commenter said that it’s possible for your online balance to appear as if the payment has been applied, but that you still won’t have access to that portion of your credit limit unless 10 days has passed. So my review is based on the information that was in effect today.

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