This is often an incentive offered by various credit repair agencies so you will sign up with them for a paid membership. This will normally involve an annual payment of $15-30 in return for which, you will get a continuous monitoring of your credit reports from all three credit bureaus.

The general trend is that people sign up for the trial period, which comes with the “gift” of the triple credit report, and then cancel the subscription with no qualms on either side. Some of these credit repair agencies offer this advantage every year; others give you this offer only once for life.