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FreeCreditReport.com is a legitimate Experian-owned service, but it is frequently criticized for using deceptive marketing to steer users into paid subscription trials rather than providing truly free credit reports. While it provides accurate Experian data, consumer advocates advise using the official AnnualCreditReport.com for free, comprehensive reports from all three bureaus. For a detailed review, see the analysis on BestCompany . freecreditreportcompare.com