First of all, let me say that I like freecreditreport.com's commercials. They're funny and the music is catchy. But they make no sense. Let's review a couple.
In this one, the guy sings about how he should've checked his credit report before he went to the dealer to buy a car. Because he didn't know his credit was "whack", he was forced to buy a lousy car instead of the cool one he wanted. But knowing his credit score in advance wouldn't really have helped him. If there was a mistake, it would take weeks to correct. If it wasn't a mistake, it would take years to improve his credit score. And I don't see why he had to buy a lousy car. He could've just said "I need to go fix my credit" and left.
Let's also take a peek at the commercial where the guy sings about not knowing his wife's credit report beforehand forced him to move in with her parents. What kind of cold-blooded SOB breaks off an engagement because their potential mate's credit is bad? And he says that it was all because his wife defaulted on some credit cards. If he can't find an apartment that would rent to him because of that, he needs to move to a bigger city.
There are circumstances where knowing your credit report is helpful, but these commercials exaggerate the problem too much. They would've been better off using more realistic scenarios.