When Kate was first born I spent a lot of time at home in front of the TV. There’s really not much else to do when you’re taking care of a wee tiny baby at that age.

When you’re home all day and your DVR runs dry you start doing the unthinkable – watching daytime TV and all of the commercials that come with it.

And that’s why I now know the words to the first FreeCreditReport.com song by heart.

Well I was shopping for a new car
Which one’s me?
A new convertible
Or an SUV?

Too bad I didn’t know
my credit was wack
Cause now I’m driving off the lot
In a used sub-compact

F-R-E-E that spells free
Credit Report Dot Com, Baby
Saw their ads on my TV
Thought about goin’ but was too lazy

Now instead of lookin’ fly
and rollin’ phat
My legs are stickin’ to the vinyl
and my posse’s gettin’ laughed at

F-R-E-E that spells free
Credit Report Dot Com, Baby!

Even now, more than a year later, whenever I hear that catchy little number I have flashbacks of mixing baby formula in tiny glass baby bottles. They played it so much there was absolutely no escape in early 2008.

They’ve since made four other commercials that are every bit as infectious but that first one is the one I’ll remember forever.

The FreeCreditReport “guy” is a Canadian actor named Eric Violette. He has a fake French accent (aka: “French Canadian”) so he didn’t do the actual singing himself.

FreeCreditReport is a deceptively-named paid subscription service from Experian. Don’t use it.

If you want the free credit report that you’re entitled to every year by federal law, you need to go to AnnualCreditReport.com. It amazes me how many people don’t know this.