"It absolutely is the free credit report," [an Experian exec] said. "It's not the one by the government, which is why we put the link on our front page of the landing site, and it is a free report. It's really a test drive for people to understand what's in that report because a report can be very complex."One key step to understanding your credit report: knowing where those mysterious $14.95 per month charges are coming from. Three of the company's ads are in the clip below.