Steve
Bradenton,#2Consumer Suggestion
Sat, November 25, 2006
Paul is correct about this free credit report thing. The ONLY online source for you to get your free annual credit report as per federal law is www.annualcreditreport.com. There is no other online source. However, you can contact each credit bureau by phone to get your free annual credtit report as well, and I like this method better, as the report you get is easier to read and use for disputes than that online merged report. Also please note, that your credit score is NOT included on any free credit report. This is always extra either by a fee for the score, or joining a monthly monitoring service to get the "free" score. We need more federal regulation on this in the form of diclosures people can actually read and understand.
Juliet
Birmingham,#3Consumer Suggestion
Sat, November 25, 2006
If you respond to a "free" offer, and it asks for a credit card # or banking information, YOU ARE GOING TO BE CHARGED FOR SOMETHING. There's no two ways about it. If something is "FREE", and it is very rare that anything is, the business will not ask for payment information. I actually have signed up for "free trials" that really were free. How do I know this? Because they didn't ask for any payment information. If a site asks for payment info, I leave immediately. Even still, I'm "playing with fire" in that it IS possible I may unwittingly provide permission to have my phone bill charged, since I do have to use a phone company to connect to the internet. But that's why, boring and tedious as it is, I do always try to go through the terms and conditions before I venture very far. No, I DO NOT READ EVERY SINGLE WORD. I look for my own "keywords" - "subscription", "payment", "fees", "membership". I haven't had this phone billing thing happen so far, but at least I'm aware enough to check the phone bill each month to make sure I didn't fall for one of those scams with my risky behavior. Bottom line, it IS this simple. If they ask for payment information, THEY WILL BE CHARGING YOUR CARD, OR TAKING MONEY FROM YOUR BANK ACCOUNT.
Paul
Anaheim,#4Consumer Suggestion
Sat, November 25, 2006
This stupid-a*s scam has been working a long time. These d**n crooks make a website name like free credit report. Or free online check. Anything with the word free in it. The use this micro-size print that says that they will charge you $15 a month or some ridiculous amount. It comes out to over a hundred a year. The tip-off is that they ask you for a credit card number. You already know that you're about to get cheated. Why in the world anyone would enter a real credit card number online is beyond me. But, this happens to people over and over again. These scams take in millions. Most people end up paying on this for months. They don't understand their bill. They just pay whatever. And, whatever includes this scam credit report charge. But, the annual credit report is really free. Try it. Here's the rule. Anytime you give out an account number, you will be charged. Why else would they be asking for it? What, for their records?
Kathleen
Chicago,#5Consumer Suggestion
Sat, November 25, 2006
Michaelina,
I, too was ripped off by CIC for $92.57(read my report under Experian") I have tried to call them, and they really don't care. What I did was I reported Experian to the Better Business Bureau of that state, the FTC (Federal Trade Commission), called the Attorney General of my state and asked them to send me a complaint form. Then I emailed Pam Zekman of CBS NEWS.
I don't know if this will do any good, but I have done things like this before, and I have gotten my money back from Triple AAA Motor Club, Walgreens when they lost my pictures, and various other things. You might want to try this. Y ou are not in this alone. Kathy (Kathleen, Chicago, IL)