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Link:
http://www.americanexpress.com/creditreport

You don't have to cancel during some trial period either.

ELECTRONIC COMMUNICATIONS REQUIREMENTS
By clicking the button, "I Agree", you are consenting to receive the terms and conditions linked to this application, electronically. In order to receive the electronic communication you must have access to a personal computer with a 128 bit java-script enabled browser, internet access. In order to store electronic communications from American Express you will need a printer connected to your computer to enable you to print such communications for storage in your off-line files or a hard drive or disk drive to download the electronic decision communication for storage on your computer. By clicking the button, "I Disagree", you will not receive the terms and conditions linked to this application, electronically and you will not be enrolled in the product you selected.

You must scroll down, read and accept these disclosures, disclaimers and authorizations in order to access the My Credit Score & Report Product .

ACCEPTANCE OF TERMS
This is an Agreement between you and American Express Travel Related Services Company, Inc. ("American Express") regarding the My Credit Score & Report Product ("Product"), including, your access to and use of the Product and information made available to you as part of the Product, including, without limitation, the credit reports, PLUS credit scores, calculators, credit resources, text, pictures, graphics, logos, button items, images, and works of authorship.

Each time you access or use the Product, you signify your acceptance and agreement, without limitation or qualification, to be bound by this Agreement. If you do not agree with each provision of this Agreement, you may not access or use the Product. The Product will be available for 30 consecutive days from the date of enrollment. You cannot enroll more than once in a 12 month period where available. For the 30 day period, the report will remain static.

THIRD PARTY PROVIDERS.
The Product may contain information provided by one or more credit reporting agencies. In order to make available the Product, American Express works with third party service providers, including, without limitation, ConsumerInfo.com Inc., an Experian company. American Express reserves the right to change the third party service provider at any time. Any third party service provider designated by American Express in performance of this agreement is referred to herein as "Provider".

This Agreement also inures to the benefit of American Express' affiliates, service providers (including Provider) and suppliers.

The Product may contain a PLUS credit score explanation provided by one or more third-party providers, as identified in your materials. American Express AND PROVIDER DO NOT CONTROL AND ARE NOT RESPONSIBLE FOR THE INFORMATION PROVIDED BY ANY CREDIT REPORTING COMPANY.

YOUR USE.
You may use the Product only for non-commercial purposes. You may not use or order the Product for anyone else.

NO REPRESENTATIONS OR WARRANTIES
THE PRODUCT IS PROVIDED ON AN "AS IS" BASIS ONLY. PROVIDER AND American Express DO NOT MAKE, AND EXPRESSLY DISCLAIM, ANY REPRESENTATION OR WARRANTY OF ANY KIND, WHETHER EXPRESSED, IMPLIED, OR ARISING OUT OF COURSE OF DEALING OR USAGE, INCLUDING WITHOUT LIMITATION ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NONINFRINGEMENT, NONINTERFERENCE WITH DATA, AVAILABILITY, OR THAT THE PRODUCT IS ERROR FREE. YOU ARE SOLELY RESPONSIBLE FOR ANY USE YOU MAKE OF THE PRODUCT OR ACTION OR DECISION YOU MAKE BASED ON IT.

LIMITATION OF LIABILITIES
IN NO EVENT MAY PROVIDER OR American Express BE LIABLE FOR ANY CONSEQUENTIAL, INDIRECT, SPECIAL, EXEMPLARY, PUNITIVE OR SIMILAR DAMAGES ARISING FROM OR RELATED TO THE PRODUCT, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES IN ADVANCE.

CHANGES
American Express, in its sole discretion may modify or cancel the Product at any time without advanced notification. American Express or Provider may modify these Terms of Use by posting the changes on the member Web site at AmericanExpress.com. The changes will be binding on you. If you do not agree with the modification in Terms of Use, you may call to cancel your enrollment in the Product.

USE OF THE PRODUCTS
In consideration of your use of the Product, you agree to provide true, accurate and current information about yourself as prompted by the registration and application forms for the Product. By registering for the Product, you certify that you are eighteen (18) years of age or older. If any information you provide is untrue, inaccurate or not current, or if American Express or Provider has reasonable grounds to suspect that such information is untrue, inaccurate or not current, either American Express or Provider, at its discretion, has the right to suspend or terminate your use of any Product and refuse all current or future use of the Product or suspend or terminate any portion thereof. Further, you agree that American Express or Provider will not be liable to you or any third party if American Express or Provider suspends or terminates your use of the Product for any reason.

You understand that by submitting your request you are providing "written instructions" in accordance with the Fair Credit Reporting Act, as amended ("FCRA"), for American Express and /or Provider to obtain information from your personal credit profile from Experian or any other credit reporting company. You authorize American Express and Provider to access your personal credit profile to verify your identity and to provide the Product to you.

ARBITRATION
These Terms of Use are governed by the laws of the State of New York, exclusive of its choice of law principles. Any claim arising out of or relating to the Product shall be settled by binding arbitration in accordance with the commercial arbitration rules of the American Arbitration Association on an individual basis not consolidated with any other claim. Any party, however, may seek interim injunctive relief in a court of competent jurisdiction. Neither you nor American Express shall be entitled to join or consolidate claims in arbitration by or against other consumers or arbitrate any claim as a representative or member of a class or in a private attorney general capacity. The parties voluntarily and knowingly waive any right they have to a jury trial.

TRADEMARK AND COPYRIGHT
American Express is a federally registered trademark. Experian is a federally registered trademark of Experian Information Solutions, Inc. ConsumerInfo.com, Inc. is licensed to use the Experian trademark.

FCRA DISCLOSURES
The Federal Credit Reporting Act (FCRA) allows you to obtain all of the information in your consumer credit file disclosure from any consumer credit reporting company for a reasonable charge. The FCRA also states that you are entitled to receive a disclosure directly from the consumer credit reporting company free of charge under the following circumstances:
- You have been denied credit, insurance or employment in the past 60 days as a result of your report
- You certify in writing that you are unemployed and intend to apply for employment in the 60-day period beginning on the day you make the certification
- You are a recipient of public welfare assistance
- You have reason to believe that your file at the credit reporting company contains inaccurate information due to fraud

The FCRA also permits you to dispute inaccurate information in your credit report without charge. Accurate information cannot be changed. You do not have to purchase your credit report or other information from American Express and Provider to dispute inaccurate or incomplete information in your credit file or to receive a copy of your consumer credit report. Beginning December 1, 2004, the FCRA allows consumers to get one free comprehensive disclosure of all of the information in their credit file from each of the three national credit reporting companies once every 12 months through a central source. Georgia residents can receive two disclosures per year. To request your free annual report under the FCRA, you must go to www.annualcreditreport.com. The Product is not related to the free FCRA disclosure that you are or may be entitled to.

The credit report that you are requesting from American Express and Provider is not intended to constitute the disclosure of Experian information required by the FCRA or similar state laws. Experian’s National Consumer Assistance Center provides a proprietary consumer disclosure that is different from the consumer credit report provided by ConsumerInfo.com, Inc. This disclosure report must be obtained directly from Experian by going to www.experian.com/dispute.

Special note regarding the Product: Although comprehensive, the Product that is available from the third party service provider may not have the same information as a credit report obtained directly from a national credit reporting company or through the central source. In addition, the My Credit Score & Report Product offered to consumers is not related to the free annual FCRA disclosure that you are entitled to.

MODIFICATION OF PRODUCTS
American Express or Provider may, at their discretion, modify or discontinue the Product (or a portion thereof), with or without notice. You agree that American Express and Provider will not be liable to you or any third party for any modification or discontinuance of the Product.

NOTICE OF PROSECUTION
Failure to comply with the FCRA can result in state or federal enforcement actions, as well as private lawsuits. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution.

PRODUCT-SPECIFIC TERMS AND CONDITIONS

In addition to the terms and conditions listed above, the terms explained below are product specific and apply to the particular product indicated.

Registering for any Product:
To request a credit report or score, you must complete an online registration form, have an address within the United States, provide a valid Social Security number and agree to be bound by these Terms and Conditions. We will then evaluate your complete registration information and provide access to the Product. Joint registration for married couples cannot be accepted or processed.

Credit Reports and Credit Scores

My Credit Score & Report Product : When you use our online products to access your personal credit report and/or credit score, you are certifying that you understand and agree to the following:
• You may access your credit report and PLUS credit score for 30 days from the first access date.
• You may only enroll in My Credit Score & Report Product once in a 12 month period. You may renew your use of My Credit Score & Report Product no earlier than the anniversary date of your previous enrollment.
• If you have questions regarding your credit report or would like to dispute information contained within your credit report, you may request an investigation by contacting the credit reporting company that supplied the information, as indicated in your credit report.
• For your protection, if you are inactive (have not clicked on an item or refreshed the page) for a period of 20 minutes or more when viewing your credit report and/or PLUS credit score online, your session will conclude and you will be logged out.

Disclaimers: You acknowledge that the information provided to you through the My Credit Score & Report Product , including the PLUS score factors derived from the elements in your credit history, may change over time as your credit history changes. You also acknowledge that the score factor information on how to manage your credit position assumes there will be no adverse changes in your credit performance. American Express and Provider are not responsible for the accuracy or contents of your credit file, including but not limited to information delivered in the credit report.