I knew Experian would get wise and start something like this. Well, no more free reports without an inquiry to go along with it........ From Experian: "We have no record that you have been declined credit, insurance or employment, or that you were adversely affected within the past 60 days based on information from Experian. Please select one of the following options: Mail us a copy of a declination letter you've received within the last 60 days based on information in a credit report from Experian and receive your complimentary report by mail. Purchase your report online using a credit card. Pay for your report with a check or money order and have your report mailed to you." Sucks