The latest issue of Consumer Reports magazine hits newsstands today, and there's a news item on page 9 about WebWatch's investigation of "free" credit report sites -- read the report in full at this link.

You'll hear more about the report in the coming days. Some of the highlights:
* There's one Web site where you can get a free credit report: AnnualCreditReport.com. That's the only site most consumers need to know. It was created by law, and is administered by the three major credit bureaus, Experian, Equifax and TransUnion.
* Many of the sites with "free" in their names -- created by two of the three major credit bureaus -- don't really give you anything for free, while charging you for services you don't need.
* Most consumers don't really need credit monitoring.