... http://www.consumerwebwatch.org/pdfs/satprep.pdf Consumer FederationofAmerica(2004).“MostConsumersDoNotUnderstandCreditScoresAccordingtoaNewComprehensiveSurvey.”PressRelease.Washington,D.C.September21.http://www.consumerfed.org/pdfs/092104creditscores.PDFConsumersUnion(Undated).“HowandWhenCanIGetMyFree Consumer CreditReport?”http://www.consumersunion.org/creditmatters/creditmattersfactsheets/001623.htmlDixon,Pam(2005a).CallDon’tClick.WorldPrivacyForum,February24Dixon,Pam(2005b).CallDon’tClickUpdate.July14.FederalRegister(2006),FederalTradeCommission:AgencyInformationCollectionActivities;SubmissionforOMBReview.Vol.71,No.250,Friday,December29,pp.7843840FederalTradeCommission(2005).StipulatedFinalJudgmentandOrderforPermanentInjunction.UnitedStatesDistrictCourt—CentralDistrictofCalifornia,August15.http://www.ftc.gov/os/caselist/0223263/050816stipfnl0223263.pdfITFactsAdvertising(2007).To ... Websitesstateexplicitlythatrepeatedlycheckingaperson’screditreportdoesnotnegativelyaffectaperson’screditscoresorratings,butwewerenotnecessarilyconvinced.TheCUbuyernotedvariation(thoughslight)betweentwosupposedlyidenticalscoresatvirtuallythesametime,atleastraisingthepossibilitycreditscorescaninfactbeinfluencedbyrequeststoviewcreditreports.Fourth,giventhelargenumberofoffersbased on thepurchaseofcreditmonitoringservices,itwouldbeusefultoknowhoweffectivetheseservicesareinreducingtheincidenceorseverityofidentitytheft.Ifcreditmonitoringisnoteffectiveinalertingconsumersinatimelyfashiontounusualandunexpectedchangesintheircreditreportsandscores,thencreditmonitoringservicesmaynotbewortheven$9.95permonth,thelowestpriceforthisservice.Intheend,itisuptotheindividual consumer –afterconsideringpreferencesandcircumstances–todecidewhetherthevariousservicesofferingaccesstocreditreports,scores,and/ormonitoringservicesareworththeirprice.Itiscertainlyadvantageousforconsumersthatmanyoffersinvolveafreetrialperiod.Atthesametime,manyoftheseservicescouldbeseentobetakingadvantageof consumer ignoranceorthedesiretogetsomethingfornothing.Themajorityofconsumerswouldbewise,therefore,tostartexercisingtheirrighttofreecreditreportsfromallthreeofthemajorcreditreportingcompaniesbeforepayingforanythingelse.REFERENCESBetterBusinessBureau(1994).CodeofAdvertising.http://www.bbb.org/membership/codeofad.aspBuckleitner,Warren(2006).CollegeTestPrepTakesaTest.Yonkers,NY: Consumer ReportsWebWatch,May1. http://www.consumerwebwatch.org/pdfs/satprep.pdf Consumer FederationofAmerica(2004).“MostConsumersDoNotUnderstandCreditScoresAccordingtoaNewComprehensiveSurvey.”PressRelease.Washington,D.C.September21.http://www.consumerfed.org/pdfs/092104creditscores.PDFConsumersUnion(Undated).“HowandWhenCanIGetMyFree Consumer CreditReport?”http://www.consumersunion.org/creditmatters/creditmattersfactsheets/001623.htmlDixon,Pam(2005a).CallDon’tClick.WorldPrivacyForum,February24Dixon,Pam(2005b).CallDon’tClickUpdate.July14.FederalRegister(2006),FederalTradeCommission:AgencyInformationCollectionActivities;SubmissionforOMBReview.Vol.71,No.250,Friday,December29,pp.7843840FederalTradeCommission(2005).StipulatedFinalJudgmentandOrderforPermanentInjunction.UnitedStatesDistrictCourt—CentralDistrictofCalifornia,August15.http://www.ftc.gov/os/caselist/0223263/050816stipfnl0223263.pdfITFactsAdvertising(2007).To ... Whiletheseprominentdisclosuresarecommendable,thosemadebyExperianownedorExperianaffiliatedsitesarelikelyduetoarequirementinthe2005settlementbetweentheFederalTradeCommissionandconsumerinfo.comthatthisdisclosurebemadeclearlyandconspicuously on thelandingpageofthe Websiteorthefirstpointofcommunication”(FederalTradeCommissionvs.Consumerinfo.com,Inc.,2005)Theremainingsix...