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The Boston Globe

Business

CONSUMER ALERT

The difference between credit scores and credit reports

Q. My question is about the free credit score ­reports. You said that you can go to AnnualCreditReport.com for a free report. I went to that site, and after reluctantly completing the confidential information, I hit continue. The next thing to happen is that site says your scores are ready for viewing. Then it asks for a $1 refundable fee on my debit or credit card. Then in fine print it says once I agree, I agree to a monthly charge of $29.95 to be charged on my card until I call to have it stopped. Where is the totally free site that you give your information and you are shown your scores right away? Or are all these sites a scam for enrollment?

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