I'm an independent contractor, and times have been hard, so I've also been penny pinching. I was down to my last $15 to the best of my knowledge, when I checked my bank account to see what I actually had left. It said, I had a $14.95 pending transaction. I checked to see what that was, and it was ExperianDirect.com.
I don't recall visiting that site. I have been to Experian.com before and signed up for a free credit report. I called the company and told them my situation. The woman on the phone said, "It's a FREE 7 Day Trial. After 7 days we begin to charge your card."
I said, "I have changed bank information since then, and this is a new card and checking account. I did not authorize you to change any information." She said, "We do it by your social security number." I said, "That's messed up. If I don't personally give it to you, you shouldn't take it at your own free will. Incidentally, I also never received one receipt from transactions between my bank and your company. Nor have I ever been emailed or sent mail from your company."
Then I pulled up the website www.Experian.com and lo and behold in big bold letters, it says, "FREE CREDIT REPORT." A bright yellow button tells you to click to receive your FREE CREDIT REPORT. I read what I saw and what I clicked on and she said, "But did you see the grey box at the bottom? It states it's a free 7 day trial." I said, "NOBODY is going to look there. It should be near the button. You guys are luring people in with colors."
She goes, "It's not my problem you didn't read the fine print. I'll go ahead and cancel your account though."