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The FTC said Experian's Internet sites, www.freecreditreport.com and www.consumerinfo.com, failed to adequately disclose that consumers who ordered their credit reports would automatically be charged $79.95. The FTC also alleged free government credit report North Dakota that Experian sought to associate its Internet sites with the government-mandated free credit-report program. The Internet site for that program, which has been phased in across the country since December 2004, is www.annualcreditreport.com.

Experian has improved free government credit report North Dakota disclosures on its Web sites. Now, consumers who click on to the sites will see a box on the first page advising them that when free government credit report North Dakota they order their free credit report, they'll be signed up for the free government credit report North Dakota credit-monitoring service. Experian also agreed to provide refunds to some customers. Consumers who enrolled in the credit-monitoring service from 2000 to 2003, canceled the service and disputed the charges may be eligible. If you believe you qualify for a refund and want more information, go to www.ftc.gov/freereports or call free government credit report North Dakota 202-326-3457. The FTC settlement with Experian doesn't resolve an ongoing problem: "impostor sites" that attempt to hijack consumers seeking to order free credit reports. These sites use misspellings and sound-alike names to misdirect consumers to sites unrelated to the government-mandated site. view my credit report The FTC has sent letters to 130 impostor sites warning them that attempts to mislead consumers are illegal.

Researchers for the World Privacy Forum, a consumer education organization, found 112 sites in June that were using some combination or close spelling of "annual credit report." Some of the sites asked for Social Security numbers, birth dates and other sensitive information, the World Privacy Forum report said.