It is very easy to find a site that is neat, professional-looking, and one that offers a free three-agency credit report and free credit report without a credit card.

This scam is too good to be true. Usually the only catch is an upfront charge to the consumer of $7.95 or something similar for each disputed item on your report. I was on the verge of signing up, but got a sneaking suspicion that something wasn't right.

Every other site I'd seen offered an Equifax report for free, and a three-agency report for around $35. How could they offer it for free, and How could anyone get a free credit report without a credit card?

Skeptical, I researched the company and found multiple complaints. One of the prominent ones was a claim that they disputed every negative entry on your credit report without your approval, and then charged you $7.95 for each one.

I requested an explanation of the above link to give them a chance to share their side of the story. While I awaited their response I continued my research.

The Department of Justice says there is nothing a credit repair agency can do that you can't do for free, making Clear Credit's offer seem even more suspicious.

Almost all of the other sites I found made it clear that you should be suspicious of anyone claiming to improve your credit for a fee and offering free credit report without a credit card, because non-profit groups are available to help people with credit trouble.

My hopes were dashed in a matter of days. I received two e-mails from Clear Credit, but they didn't contain an explanation. They told me to act now to improve my credit.

They spam a potential customer who made a perfectly legitimate request for more information. I was not impressed.

My search to find a quality three-agency credit report for a low price will continue, but Clear Credit is clearly off the list.

John Parsons is founder of http://CorporateNarc.Com?. The mission of http://www.CorporateNarc.Com? is to educate the public in consumer affairs and to provide consumers with up-to-date business information. In addition we hope to ensure better services for the consumer by exposing business fraud and corruption, as well as unfair and deceptive business practices.

This article my be reproduced as long as the author's name and url to http://www.Corporatenarc.com are present at the end of the article.