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The Internet is littered with promotions for "free" credit reports, and many are back-door efforts to sell credit-monitoring services and other products, according to the Federal Trade Commission. Last week, Experian, on line credit report Montgomery one of the three major credit-reporting agencies, agreed to pay $950,000 on line credit report Montgomery to settle charges that it deceived on line credit report Montgomery consumers into signing up for its credit-monitoring service by offering free credit reports.

The FTC said Experian's Internet sites, www.freecreditreport.com and www.consumerinfo.com, failed to adequately disclose that consumers who ordered their credit reports would automatically be charged $79.95. The FTC also alleged that Experian sought to associate its Internet sites on line credit report Montgomery with the government-mandated free credit-report program.

The Internet site for that program, which has been phased in across the country since December 2004, is www.on line credit report Montgomery annualcreditreport.com. Experian has improved disclosures on its Web sites. Now, consumers who click on to the sites will see a box on the first page advising them that when they order their free credit report, they'll be signed up for the credit-monitoring service. Experian also agreed to provide refunds to some customers.

Consumers on line credit report Montgomery who enrolled in the credit-monitoring service on line credit report Montgomery from 2000 to 2003, canceled the service and disputed the charges may on line credit report Montgomery be eligible. free credit report and score If you believe you qualify for a refund and want more information, go to www.ftc.gov/freereports or call 202-326-3457. The FTC settlement on line credit report Montgomery with Experian doesn't resolve an ongoing problem: "impostor sites" that attempt to hijack consumers seeking to order free credit reports. These sites use misspellings and sound-alike names to misdirect consumers on line credit report Montgomery to sites unrelated to the government-mandated site. The FTC has sent letters to 130 impostor sites warning them on line credit report Montgomery that attempts to mislead consumers are illegal.