Love the song, question the morals

F-R-E-E that spells free. Free credit report dot com baby.

I LOVE the freecreditreport.com commercials. The songs are so catchy and witty; I could sing them all day. (Check out a collection of the ads on YouTube.)

After reading a Huffington Post article on the ads, I'm starting to question the morals of the ads, though. The article says that you can get the services of freecreditreport.com for free for seven days. After that, you pay $14.95. Hmmm .... that seems to be 14 dollars and 95 cents more expense than free.

There are some disclaimers with the ad, and consumers probably shouldn't expect someone to monitor their credit for them for free. But then maybe the Web site should not have 'free' as the first word of its domain name. If you call something free, people are going to expect it to have no costs associated with it!

Then again, the Web site name is partly correct. Everyone is entitled to a free annual credit report, but what the domain name doesn't tell you is that you will be charged for other services the site offers. By the way, consumers can find the real FREE credit report at annualcreditreport.com.

So basically, I will continue to sing the freecreditreport.com songs, but if I ever want to see my credit score, I will visit the government's site. I like things that are really free.