ScoreSense onetechnologies.net mycredithealth.com mfreecreditreports360.com whatlurks.com my3creditscores.com neighborhoodscan.com SpendonLife.com deceptively advertised five day membership and $1 immediate credit report Dallas, Texas registered Internet Domain Internet
On 13th May 2017 I responded to an Internet Advertisement for a $1 credit report inclusive of a five day membership in their credit bureau plus identity theft service bureau. I immediately got the credit report, and then cancelled my membership on-line as soon as I got the report, BECAUSE they did require my credit card authority which I gave for the advertised credit report inclusive of the membership.
However, upon getting my credit card charges in the mail 28 days later, I found that not only was the $1 charged, but also $39.95 for a months continuing membership, indefinitely authorized.
I called the company at 800 679 6327 as listed on my credit card charge sheet. They answered that I did not cancel out, and would gladly refund the $1. However, the $39.95 was unlikely to be refunded. They did send me an official 'cancellation e-mail' however on the same day 6/12/2017.
There were some irregularities during that telephone call. They did not allow me to enter my "membership ID" but rather insisted on my FULL social security number. I had just prior to that telephone call, pulled up the site on the internet, and used my site e-mail address and password WHICH DID NOT WORK. I then tried to use the password reset, which asked the security question "what city were you born in" for which I gave the proper city and THAT WAS REJECTED.
After my phone call, I investigated this company on YELP, and found it uniformly full of negative reports, excepting for the first two which clearly were company trolls with a totally favorable report. I also found that another rating service "www.complaintsboard.com" had equally uniformly negative reports. I also found out that this company actually operates out of Puerto Rico, with phones forwarded to a Dallas Texas address, yet is doing business as if it really was a US company.
Looking at the advertising page of the company on the internet in which OMINOUS wording is used:
"....Sometimes, people who have signed up for a free trial of SCORESENSE cancel once they've received their initial SCORESENSE credit report. However, this can be a foolish move.....you may be opening yourself up to identity theft....data breach can be costly...personal information such as social security number...bank accts... credit cards..."
YES, since THEY NOW HAVE MY INFORMATION !!!! In fact this advertising copy so intimidated me, that I placed a FRAUD alert on my existing Equifax Credit Service account.