This little gifft suggestion arrived in our inbox Friday and we're pretty sure it's worse than getting two weeks free AOL from Grandma.

We understand giving pointed gifts — we've given books to kids who can't read and cookbooks to relatives who can't cook — but, seriously, stick some cash in a card. The last thing anyone wants after going into more debt than they're already in, buying presents for people they only see once a year, is a free look at their credit report. Looking at our credit report is the kind-of thing we do alone, with the door locked and the lights off after Apple refuses to let us finance a new MacBook. It's shameful, and dirty and should have nothing to do with Christmas. Ever.