FreeCreditReport.com is a service offered by Consumer Info and Experian. The site is advertised as offering a free credit report to consumers who are looking to gather information on their credit rating. A basic free report is offered, but contains limited information and does not include a FICO score which is the numerical score most users are looking to obtain. Experian is the company behind the site, one of the three major credit reporting agencies in the USA. The site has been in operation since before 2005, while Experian has been in operation since 1996 with offices in Ireland, the United Kingdom, and Costa Mesa, California in the USA.

The free credit report contains basic information about debt level and the number of negative accounts on an individual’s credit report but does not include the numerical FICO score that is frequently used to gauge credit-worthiness. In order to obtain the FICO score on your report, a user must sign up for a trial membership to Experian’s CreditWorks Plus membership which includes credit monitoring. The score report will cost the user $1.00 initially and they will be enrolled in a 7-day trial membership for the monitoring service. After 7 days, if not cancelled within the trial period, the membership will convert to a standard paid subscription which will charge the user’s card $21.95 each month automatically until cancelled. The membership has no minimum commitment term and can be cancelled at any point desired by the subscriber. We have included some additional information below to assist you with cancelling an Experian CreditWorks Plus membership obtained via signing up on FreeCreditReport.com