We all know by now that FreeCreditReport.com isn't really free, just a pay service willing to entice you with a freebie to start. That isn't sitting well with the Federal Trade Commission. They've put together their own "garage band," and their own website annualcreditreport.com, warning anyone who listens credit reports are free. Free as the wind. As far as I know, it ran at least once, so here it is (on the right). We report, you decide.