Beginning April 1, when you go online to view your federally mandated free annual credit reports, you'll get exactly what you came for. Hopefully.

The Credit CARD Act of 2009, which has eliminated a number of unfair credit card practices, also requires the Federal Trade Commission to issue new rules to prevent deceptive marketing of the free reports generated by each of the three national credit bureaus -- Equifax, Experian and TransUnion. Those free reports are available through AnnualCreditReport.com, the site authorized by the government.