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In essence, a credit rating reflects a rating agency’s opinion, as of a specific date, of the creditworthiness of a particular company, security, or obligation. For almost a century, credit rating agencies have been providing opinions on the creditworthiness of issuers of securities and their financial obligations. During this time, the importance of these opinions to investors and other market participants, and the influence of these opinions on the securities markets, have increased significantly. This is due in part to the increase in the number of issuers and the advent of new and complex financial products, such. | Sites Offering Free Credit Reports Worth Consumer Consideration _ Review of 24 Sites Shows Potential for Confusion and Unnecessary Expenses by Robert N. Mayer Ph.D. Tyler Barrick University of Utah July 3 2007 Consumer Reports WebWatch 101 Truman Avenue Yonkers NY 10703-1057 Tel. 914.378.2600 www.ConsumerWebWatch.org TABLE OF CONTENTS EXECUTIVE SUMMARY 3 Recommendations to Consumers 4 Credits 5 ABOUT CONSUMER REPORTS WEBWATCH 6 INTRODUCTION 7 Key Definitions 7 The Potential Problems With Alternative Sites 7 Arriving at Alternative Sites 8 METHODOLOGY 9 Sample 9 Questionnaire 9 Data Collection 10 MAJOR FINDINGS 10 Three Basic Choices 10 Few Actual Sellers 11 Figure 1 Relationships Among Web Sites_13 Free Use of the Term Free 15 Table 1 Use of the Term Free 16 Potentially Important Omissions 17 FACT Act Rights 17 Table 2 Site Disclosure of FACT Act Rights 18 Type of Credit Score s 19 Charging and Cancellation Procedures 19 Privacy and Security Practices 20 Purchase Experiences 20 Credit Scores 21 Cancellation Procedures 21 CONCLUSIONS 22 Best Practices 22 Recommendations to Consumers 23 Study Limitations and Remaining Questions 24 REFERENCES 25 Appendix 1 Final Credit Report Sample and Search Engine Source 27 Appendix II Questionnaire 28 Appendix III Inter-rater Reliability 35 Page 2 EXECUTIVE SUMMARY Study Purpose This report examines Web sites that offer consumers paid access to their credit reports in combination with credit scores credit monitoring and or identity theft insurance. These sites are alternatives to annualcreditreport.com created as a result of the Fair and Accurate Credit Transaction Act of 2003 FACTA which entitles consumers to obtain once a year a free copy of their credit reports from each of the three major credit reporting bureaus - Equifax Experian and Transunion. Key Definitions A credit report is a document generated by a credit bureau such as Equifax .
