Comments on: FreeCreditReport.com Is Ripping You Off

By: Nick

Nick — Tue, 06 Jul 2010 19:46:59 +0000

It doesn’t surprise me in the least. Sites like this are always, always too good to be true.
And the customer support (lack thereof) doesn’t surprise me either. The fact that they’re a rip off site means they’ll try at any means to keep the money they swindled. You’ll never talk to a manager and you’ll never get a refund. They’ll just put you through loops until you’re too frustrated to continue.

By: Carissa

Carissa — Sun, 04 Jul 2010 09:20:20 +0000

My big beef with this company is that when I was filling out my information, they didn’t let me opt out of emails sent by their associated companies. I have gotten more than 60 offers since I signed up on Sunday (6/27). I’ve already cancelled my membership but in the meantime, my email address has been sold already and I’m sure I’ll be getting offers from now to the end of the next century!

By: Brittany

Brittany — Mon, 11 Jan 2010 04:26:56 +0000

Read the fine print. Then cancel within 30 days… or just head over to creditkarma.com to begin with — it’s an actual free credit score site (ad supported). I love it. Combined with checking my free government reports and just keeping an eye on my accounts in general, it’s all the credit monitoring I need. They also have a lot of useful tools, like a credit score simulator (what will happen to your score if you do a myriad of things, like open a new account, expand a line of credit, pay down a balance, etc.) and a “score report card” that breaks down what part you’re strong in and what parts you’re weak in.

I don’t work for them, I swear–just a very happy patron!

By: Tricia

Tricia — Sun, 14 Jun 2009 21:29:55 +0000

I called the number on my cc bill to cancel FreeCredit.com and the people on the other line spoke SPANISH and when I finally got an English speaking person, i was connected with Bank Of America, they had NO clue what I was talking about. Talk about confusing!

By: steve

steve — Thu, 09 Apr 2009 18:01:19 +0000

Free Credit Report.com is a RIP OFF. I called to complain. When I said I wanted to speak with a supervisor they put me on hold. Then two minutes later the woman came back on and said all her supervisors were on another line. When I asked her to have one of them give me a call back she said that wasn’t in their process and would need to call back. So I paid money for a service and they said I would need to call THEM back or call back and maybe get lucky so i can speak with one of them. BULLSHIT

By: Logan

Logan — Thu, 02 Apr 2009 21:51:46 +0000

Free Credit.com is a site for ripping people off. It relies on people’s mistake. Most of us forget to keep track of the days and they charge invisibly. With the busy daily life, you cannot check all your statements, days etc. These bunch of thief’s survive on this.

By: Matt

Matt — Mon, 09 Mar 2009 21:44:26 +0000

I signed up to do the “get my score, then cancel before i get charged”. Unfortunately (and completely my fault) I lost track of time and the short free trial period ran out. I called to cancel. First off, I was surprised that the very first phone menu option was to cancel. Then within 2 rings someone picked up. Of course when I said I wanted to cancel they offered to cut the cost to $7.48/month. When I said I didn’t want to pay that much per month for something I would infrequently need, she offered credit monitoring for $5/month. I’m considering going with that, because mint.com sends alerts for unusual credit card activity but if someone opens another card in my name there’s no way Mint would know and be able to track it. Has anyone found value beyond “peace of mind” in pay-per-month credit monitoring?

By: alan M. Kotula

alan M. Kotula — Tue, 16 Dec 2008 20:28:03 +0000

Free Credir Report.com is a rip off! DO NOT use this service. You will regret it! I am being charged $11.95 monthly, for something I never authorized. And I cannot cancel. How can these thieves get away with this? Don’t even click on the site!

By: trevor

trevor — Tue, 02 Dec 2008 08:13:25 +0000

they refunded my $44.85 on my next credit card statement

:-)

By: Tracy

Tracy — Mon, 01 Dec 2008 01:39:52 +0000

Look, I work for Experian. I deal with idiots all freaking day long that go to freecreditreport.com or one of the other websites. It says you get a free report and you do. If you freaking idiots would just READ wtf you are doing you would know. The whole left side of the front page explains it exactly to you and then again at the terms and conditions BEFORE you submit your order. You do get a free report inside a free trial into a monitoring service. And for the record, yes they send you alerts when there is a change made to your report. Say someone got a credit card at Macys today in your name. How would you know?? You wouldnt until they defaulted on it and the collection companies start calling you. The whole point of the memborship is so you arent a victim. But whatever. My point? READ WHAT YOU ARE FREAKING DOING PEOPLE! Its no ones fault but your own for not reading what you were freaking doing, stop blaming other people. Its not in small print and its not hidden.

By: trevor

trevor — Sun, 23 Nov 2008 02:40:38 +0000

I was recently a victim of freecreditreport.com – Somehow they got my credit card # and charged me a total of 74.75.

I sent the following letter to

ConsumerInfo.com
Attn: Customer Care
PO Box 19729
Irvine, CA 92623-9729

Please refund me $74.75 that you have mistakenly charged me for a service I never consciously requested.

I never knew I was being charged or that I even signed up for the service for that matter.
I used a yahoo e-mail address that I never look at because it fills up with spam to the point that it is useless.

I find it hard to believe that I actually entered my credit card number online, but I may have thinking that it was a security measure. A lot of services charge your card $1 to verify the account is valid.

I spoke with 3 separate customer service representatives about my situation. The first guy just hung up on me because he couldn’t get a word in edgewise (I was not swearing, just extremely frustrated)(

The second woman was very understanding and sympathetic and did a good job easing some of my frustrations by refunding September charges.

But as I thought about it more, it really was eating away at me because I NEVER sign up for free trials that require me to voluntarily cancel. So I called you a third time and found out the exact day and time that I signed up February 25th, 2008 at 9:25 am. I accessed my credit report at 9:26 pm and never again after that. The method I used to reach your site was tagged as “search engine” so the page I landed on was not the front page where your disclosure statement is quite clear. As I recall, I used a website that linked me in to different sites directly to the request forms for the 3 credit agencies. The premise of the service was that this is totally free.

Why would I expect to be being charged for something by a company whose name says it’s free? I find your business plan extremely effective, but very unethical.

I am attaching the credit card statements that show the charges that I would like returned to me. You started charging me in April and continued until August. That’s 6 x 14.95.
I have already been refunded the last payment so I expect a refund of 14.95 x 5. That comes out to $74.75

I keep wondering? Do you not see that something is wrong with your business based on the sheer volume of people complaining about fees they were unaware of?
Please refund my $74.75 as soon as possible.

Thank you,
Trevor Jordet

They refunded me 29.90 which really made me angry, so I sent them the following letter:

Dear “free”creditreport.com,

Are you Kidding me?

What is the problem? I sent the attached letter requesting a full refund of $74.75 and you refunded me $29.90

This isn’t some third world country where you barter down your debt.

It’s like pulling teeth to get you to do the right thing!!! Give me my money back you cheating lying #%$#%$#!!!

You owe me $44.85.

I swear I will do everything in my power to let everyone know that freecreditreport.com is a scamming operation that is stealing millions of dollars daily.

You owe me
$44.85
Give me back my money!!!

Thank you,
Trevor Jordet

I sent an e-mail copy of it to Support@FreeCreditReport.com and almost instantly received this reply:

Dear Trevor Jordet:

Thank you for writing and we apologize for the inconvenience.

We have already initiated a refund of $44.85 to your account. This refund should appear on your next billing cycle.

Thank you for using FreeCreditReport.com.

Sincerely,

Beth G.
Customer Care Representative

By: Cancel FreeCreditReport.com

Cancel FreeCreditReport.com — Mon, 10 Nov 2008 01:09:20 +0000

For me, the fees started after 7 days. Only problem, they force you to call to cancel. Luckily I was able get my money back!

By: AnnJo

AnnJo — Mon, 20 Oct 2008 15:50:24 +0000

My auto insurance company bases its premiums in part on credit score, and therefore is required to provide the score to the customer as part of the policy renewal process(a good reason to look through all those pages when they arrive), and also to get a free copy of the report if requested within (I think) 30 days. That’s how I get mine each year.

For those worried about identity theft, many banks and credit card companies allow you to set up alerts that will email you account balances, payment due dates, irregular activity, etc.

The comment above from someone who didn’t notice the monthly charge on his credit card until a year later sure explains why and how identity theft works! Good grief!

Every money management program like Quicken allows you to set up your credit cards as liability accounts, where you can enter charges and payments and reconcile the account every month when you get your statement, the same as you would for a checking account. And if you don’t do that, how are you going to know how your budget is working? “Credit card payment” is NOT a budget category!

By: Patricia

Patricia — Thu, 02 Oct 2008 12:35:25 +0000

Thanks for the helpful information. I was worried about a home improvement/hurricane repair loan that I put in for recently and wanted to see my credit report. This saved me a lot of time, money and hassle. Thanks so much. The Experian report was the most thorough and was extremely helpful.

By: steve

steve — Wed, 27 Aug 2008 22:44:54 +0000

Is fcr sleazy? Sure.

Is it a scam? No.

Anybody with half a brain can read the disclaimers and understand what is required. If you ended up paying it’s because you are an idiot, so stop whining.

If you called to cancel and “got talked into” not canceling, then doubly so…

By: Jack

Jack — Fri, 08 Aug 2008 18:10:13 +0000

Thanks for the head’s up. Just got my free credit report a few minutes ago. Keep up the great posts!

- Jack

By: Dustin

Dustin — Thu, 31 Jul 2008 15:27:07 +0000

I used freecreditreport.com and was basically ripped off too. I understand that you have to cancel service after your free month or you get charged $15.00 a month. Anyway, I called to cancel because not only was I getting charged the $15.00 but I didn’t find it to be helpful at all and its not user friendly. So,I called to cancel they talked me into keeping it and trying it since I had already been charged for the month. While trying to navigate through their horrible page I somehow ordered the $25.00 credit report just trying to access the one the I had already paid the $15.00 for. Long story short, I tried to get the $25.00 back and they more/less told me too bad. I called them theives and hung up. I knew I was screwed. the ironic thing is that they claim they are protecting you from being ripped off and that is exactly what they do.

By: Mike

Mike — Tue, 08 Jul 2008 22:34:53 +0000

I called today to cancel this “membership” at 11:45 am , said they would e-mail me a cancellation confirmation . Never got it so I called again at 6 PM . They confirmed it was cancelled but didnt no why I hadnt received my confirmation . The talking head said to expect it within a couple of hours . I’m not holding my breath waiting for it after all I’ve read about the way this band of theives opperates . Tomorrow I will call again and record the conversation and see what happens . This is a great scam , endorsed the goverment . I wonder who they have in their back pocket .

By: al sefati

al sefati — Fri, 20 Jun 2008 05:43:41 +0000

after working at freecreditreport.com for over 3 years, i can assure you that NOTHING they give is free.
It is only a FREE TRIAL that used to be 30 days and now they reduced it to 7 days its a fucking joke!!!

just go to annualcreditreport.com for your true free credit report.

By: Jake

Jake — Thu, 05 Jun 2008 20:17:41 +0000

I heard recently that the popular service LifeLock may hinder you from obtaining your annual credit report because of the fraud alert. I don’t personally have any experience with this though, so be careful. I have to admit though Life Lock does sound like a great service otherwise.