Those offers of free credit reports usually come with strings attached, now the federal government wants to cut those strings. The first target: "free credit-report-dot-com" owned by Experian. The FTC says the site offered free reports, but charged customers $79 a year if they didn't cancel within 30-days. Experian agreed to make its fine print more prominent and pay the government $950,000. Consumer advocates say it was a good step..but not enough. You have to have a credit report if you want to buy a house or a car, and if you want to make sure you're not the victim of identity theft. And Congress has mandated that all Americans get a free copy.