- Experian *creditrep, Infoexd.com - Never authorizedI bet you went online to get your free trial subscription for credit monitoring so you could get your credit report and score. They ask for your credit card information. What happens is after the free trial period, if you don't tell them you wish to cancel, your credit card is charged. However, you can get your credit report for free (All 3 credit bureaus) by going to www. Anualcreditreport.com (If you want your credit score, you do pay a small fee) . Your credit score, if you want to get it for free you can go to kreditkarma.com just like the tv add correctly indicates, they don't ask for any credit card information (I've tried it out myself) . Based on you credit score you are given offers of credit but it's up to you if you want to click and apply!