: To get the report, users often had to sign up for a "free trial" of a monthly credit monitoring service.
The story begins with the of 2003. Before this law, getting a look at your own credit score or history often felt like trying to solve a puzzle behind a paywall. The FACT Act changed the game by requiring the three major credit bureaus—Equifax, Experian, and TransUnion—to provide every consumer with one free credit report per year. The "Official" Battle foryourcreditsreport.com
This is where sites like entered the narrative. Dozens of companies registered domains that sounded official or helpful to capture the massive wave of traffic from people searching for their "free report." These sites often operated on a "freemium" model: : To get the report, users often had
: They offered a "free" report just like the law promised. The FACT Act changed the game by requiring
