"Free Credit Report" heads up!

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I got taken to the cleaners... Anyone who ever called or logged onto "free credit report dot com" needs a heads up.

If you failed to cancel the "FREE" part within 30 days, they find a credit card on your report, and start charging you $12.95 a month for their service. Apparently the 30 day thing is in small print and I missed it.

I always wondered how they made any money giving out free credit reports... now I know how. I was taken in by the "catchy" jingle.
 
Also,
you are entitled to one free report each year from each credit bureau. Your also entitled to a free report if you are turned down for credit from anyone.
 
FWIW, every time someone checks your credit, it goes against your score.
 
It is free. You just have to log in as a member with credit card number and cancel within 30 days. All three credit reporting agencies (TransUnion, Equifax, Experian) run a similar scheme.

When I moved to DE I wanted to review my credit report to ensure that the old mortgage (left to the ex) had been removed. Shirl and I were looking to buy a home and we wanted no unpleasant surprises.

I logged in to TransUnion's site and did the "free report" thing for the peace of mind if no other reason. While I was married the ex had gotten some credit cards in my name without my knowlege and run 'em up. I honestly had no idea of the extent. Thankfully, there were no red marks left from my years of marriage.

It was a good thing I did this... there was an old unpaid medical bill that I was unaware of. Evidently, my insurance didn't pick it up and the notices had been sent to the ex's address. Through the TransUnion site I was able to contact the collection agency and pay the outstanding bill. It was then removed from my credit history, like it never existed. :)

I was aware of the 30 day free trial. The catch is... you have to call them at a toll free number before the 30 days expires and tell them you want to cancel your membership. Bear in mind that these people are trained to try to talk you out of it. :D

Be adamant. Don't let 'em talk you out of cancellation. As Tyrone mentioned, they'll charge a monthly fee to your credit or debit card otherwise.
 
I'm going to still subscribe for the next year!

I am doing all three for 24.95 a month!


My credit is just a tad shady, and I want to make sure some of the bills I have paid off, help jump my score, and get off my score!

I have climbed ten points since I entered the site last week!

And after the next few weeks, it will keep on climbing as I get more minor....er....collection....er....medical bills "garnished!" er...paid!

Its only a bill for $600 but I just couldnt afford to pay on it this winter! I also have a bill dispute from DSS that is only 114 that is in collections. So once those are paid, my score will jump a little more!

Funny how bills that small, can be such a pain in the a...rear! :rofl:

Me and my new wifey are going to be looking for a house next year, so this is why I want to keep an eye on the accounts! Kinda give me a heads up on the things I need to take care of to help my score!

After my score gets back over 700, I'll cancel my service! Anything over 700 is good, so I can handle that!
 
NEVER pay for your reports, and never SUBSCRIBE or do anything involving a credit card or a purchase to get this information....

People, all you need to do is visit the authentic site:
www.annualcreditreport.com

This site will allow you annually to check and print your report...no fear of spam, identity theft or being sold anything...

Trust no other.
 
Speaking of free credit report deals my bank has a similar scheme. They keep sending me letters that look like account statements trying to get me to sign for a free credit report, then fine print says I need to be a member of their "premium credit monitoring service" for a year or the price of the report is some ridiculous fee like $250.

It makes me not want to do business with them -- what sleazy practices.

When I want a credit report, I just apply for a loan or credit card from some place I know won't approve me.
 
I've been with freecreditreport.com for 4 years, and I love it..

it allows you to transparently check your credit report. It does not reflect on your report, even if you check it every day.

after I was divorced, I was young and irresponsibly let some joint credit accounts got to hell... that 6 months of neglect took me years to clean up...

freecreditreport allowed me to check my scores every week, so I could monitor whether things came off my credit, and i basically watched my score climb back up...

it is a bit expensive, but because it allows you unlimited access to your credit report with no penalty, I do think it's a great tool!

Steve
 
What's credit?

Actually, I haven't had any in 17 years (thanx ex-wife :)), but my theory is that your credit score, is actually the number of the beast, not 666 . Only those with a negative score like me, don't do business with him.

"And that no man might buy or sell, save he that had the mark, or the name of the beast, or the number of his name."
- Revelation 13:17

Think about it...
 
Just an FYI:

Checking your own credit report, at any time, does not go against you, nor does it affect your credit score in anyway.

If you want to monitor your credit, may I suggest using a service such as truecredit.com. They give you copies of all three credit reports and what is commonly referred as a FAKO score, which should not be confused with a FICO score. Here is a discounted link to the credit monitoring: https://www.truecredit.com/products...s:add=on&package=TriMergeWithScore&cb=walmart

Also, if you are in need of credit repair, may I suggest you visit http://creditboards.com/forums/index.php?. They have all the credit repair tips and tricks.

Feel free to PM me if I can be of any help. I have helped many people with credit repair.

Scott
 
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