If you’re like me, you’re tired as hell of watching FreeCreditReport.com commercials like this one:

Yeah, the jingle is catchy and the concept is clever, but the fine print says that you have to sign up for a nearly $200/year subscription to get your ‘free’ credit report. Senator Mark Udall of Colorado has introduced an amendment on the Senate floor that would take all of FreeCredit’s business away by providing a truly free credit score to anyone who wants one. As the law stands, you can only get a free score once every 12 months, which is why FreeCreditReport.com exists in the first place. Screw them.

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