Complaint Review: Creditreport.com

I took out a membership with this comapny in the middle of last year.  After using for a while, and getting billed $14.95 for the priviledge, I decided to cancel my membership.

So I contacted the number that appeared every month on my bank statement & a very nice lady assured me that the account was cancelled from that date.  She even gave me a confirmation number.  So off I went a happy consumer.

So you can imagine my surprise when I checked my bank statement this monring and found an entry titled: "Creditreport.com", for the amount of $14.95!  I immediately called Creditreport.com. 

I spoke first to a supervisor, and then their manager (a woman called Rose), who both insisted that the account was cancelled & that one of two things was happening.

1)  It was actually "Freecreditreport.com" who were billing my account, not them.

or

2)  My spouse, or a child in my household had joined them.

But no matter what it was not them who were billing my bank account.

1)  I then spoke to my bank, who confirmed that it was "Creditreport.com", not "Freecreditreport.com" who were billing me.

2)  My spouse does not buy/get things that involve their credit/debit card online, as they do not trust the internet.  It is always my card that they use.  "Creditreport.com also did not have a record of them in their system.

The result is that I now have to go to the bank and file a 'dispute report'. From what the person at the bank said, I gathered the impression that this was not the first time this had happened to one of their customers.

Overall I would say that these online credit report companies are a waste of time.  It is far better & cheaper to go to the three credit bureaus directly and get your credit history from them!

So my reccommendation after all this is:

1)  Contact the credit bureaus directly for your report.

2)  DO NOT JOIN ANY ONLINE CREDIT REPORT AGENCY!!!!!!!