Patrick
Gilbert,#2Consumer Comment
Sun, July 10, 2005
The website www.annualcreditreport.com is the correct site for getting your free annual credit report. It was made available to Floridians as of 6/1/05. The only ones who still can't get it until 9/1/05 are those on the eastern seaboard from NC north to Maine. From this site, you will be taken to each of the sites for the big 3 CRAs (Experian, Equifax and TransUnion), as the main site is sponsored by these guys because of the FACT Act. But, once you get there, you have to be VERY CAREFUL that what you click on is for the FREE report. Each CRA site has many options to choose from, such as a credit monitoring program, FICO score reports and so forth, that cost money or sign you up for some kind of memebership. Someone else posted on this site that they were being charged $9.95 a month just for requesting their free credit report. They probably choose the wrong option and were singed up with CIC Credit Monitoring. You can get the free reports from all 3 CRAs. I did it for myself and my wife the first day it was available. Just be cautious on what option you choose, and make sure you are getting the free report only. If you are asked for a credit card number and expiration date, or a bank routing and account number, SIGN OUT IMMEDIATELY! That information is NOT required to get the free report.
Donna
Walker,#3Consumer Comment
Sun, July 10, 2005
These scammers are the people that control our financial dealings! I get scammed by a company called consumerinfo.com and file a report with the BBB and see they have a huge amount of "aka's" and the refund they agree to send me is from Experian and the check is from an Experian checking account! How in the world can these people scam so many yet have so much power over our financial destiny? It's disgusting and unreal!
Gilbert
PANAMA CITY,#4Author of original report
Thu, July 07, 2005
Hay, Paul - Anaheim, California I did not go to the wrong site. The U.S. Government sponsored free credit report is located at: http://www.ftc.gov/bcp/conline/pubs/credit/freereports.htm When you go there the site gives you a like to: http://www.annualcreditreport.com/ This site will get you one free credit report from any one of the three agencies. The problem is the that link was taking people to another site. I have just checked it out and the FTC has fixed the link. Just make sure you check that it is free for your part of the country you live in.
Gilbert
PANAMA CITY,#5Author of original report
Thu, July 07, 2005
Hay, Paul - Anaheim, California I did not go to the wrong site. The U.S. Government sponsored free credit report is located at: http://www.ftc.gov/bcp/conline/pubs/credit/freereports.htm When you go there the site gives you a like to: http://www.annualcreditreport.com/ This site will get you one free credit report from any one of the three agencies. The problem is the that link was taking people to another site. I have just checked it out and the FTC has fixed the link. Just make sure you check that it is free for your part of the country you live in.
Gilbert
PANAMA CITY,#6Author of original report
Thu, July 07, 2005
Hay, Paul - Anaheim, California I did not go to the wrong site. The U.S. Government sponsored free credit report is located at: http://www.ftc.gov/bcp/conline/pubs/credit/freereports.htm When you go there the site gives you a like to: http://www.annualcreditreport.com/ This site will get you one free credit report from any one of the three agencies. The problem is the that link was taking people to another site. I have just checked it out and the FTC has fixed the link. Just make sure you check that it is free for your part of the country you live in.
Gilbert
PANAMA CITY,#7Author of original report
Thu, July 07, 2005
Hay, Paul - Anaheim, California I did not go to the wrong site. The U.S. Government sponsored free credit report is located at: http://www.ftc.gov/bcp/conline/pubs/credit/freereports.htm When you go there the site gives you a like to: http://www.annualcreditreport.com/ This site will get you one free credit report from any one of the three agencies. The problem is the that link was taking people to another site. I have just checked it out and the FTC has fixed the link. Just make sure you check that it is free for your part of the country you live in.
Paul
Anaheim,#8Consumer Suggestion
Wed, July 06, 2005
By law, the agencies are required to send you a FREE report once a year or something. They even have a site just for the people that want free credit reports. But, here's the problem. The minute ANYTHING at all happens in the world, a scammer turns it into a way to cheat somebody out of their money. So, the crooks took this free credit thing and used it as a great way to cheat people. So far, it seems to be working great. Even Experian, the credit people, got in on this scam. Instead of giving you a free report, like they are supposed to, they turned it into a way to cheat you out of $144. You kind of expect that out of crooks like that, don't you? There is a way to get a real, free credit report. I don't know the name of the site because I never use credit. So, I never check anything. But, there is a way to get a real, free credit report. It's just buried under all the scams. The real site is probably on page 1000 in google or something. People only use the places on the first or second page. So, they always get the scam sites, and not the real one. If somebody knows the address for the real free report, post it here so that others don't get cheated like this guy did.
Gilbert
PANAMA CITY,#9Author of original report
Wed, July 06, 2005
After filing this report and sending them an e-mail to cancel my account I had a BAD feeling. I have a good credit rating (high 700s) and I am now wondering if that rating will know come down because I submitted a Rip-Off report. After all the people we are reporting on are the same people who control our financial future. If you don't believe me, just try to get a loan it any one of the tree agencies gives you a report below 700. I will be needing a good report in the near future and I hope I have not just crewed my self. Sorry Experian. Please go ahead and bill me the $144 for the full year and forget I ever said anything bad about you. Ouch!!!