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Freecreditreport.com is a scam - details inside
You may have seen the commercials on TV from "Freecreditreport.com." They have been convicted of fraud by the FTC at least twice now; I would advise you to not do any business with them. What they do is provide you with your "free" credit report but sneakily sign you up for their monthly credit monitoring "service" without notifying you that you have been signed up or that they will be siphoning funds from your bank account. In fact, when you login to your user account on their site there isn't even an option to "cancel" from your user account, and there is no billing info, etc. So, you would never know that they were billing you!
If you have used them at all in the past, I suggest you file a complaint now before the company folds or goes into hiding. I'm posting this info on the forums I visit to save people some legwork. They've already given refunds as a response to ~1,500 of the complaints filed against them through the BBB. As an Irvine, CA based company, the web address for the BBB that they fall under is: http://www.labbb.org/BBBWeb/Forms/General/Home.aspx More information about complaints that the BBB has received about them can be found at: http://www.labbb.org/BBBWeb/Forms/Bu...D=13062929&sm= I'll quote the most relevant court cases:
Jam it back in, in the dark.
"We are all the sum of our tears. Too little, and the ground is not fertile and nothing can grow there. Too much – the best of us is washed away…" - G'Kar
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It's okay, no GFF member would have a use for credit reports anyway...
There's nowhere I can't reach. |
It happened to me. I was just curious. Mommy wrote them a letter (it was on her card
![]() This thing is sticky, and I don't like it. I don't appreciate it. ![]() |
People need to realize you get one free credit report a year anyways.
I am a dolphin, do you want me on your body? ![]() |
![]() eh, with all the shit I havent paid for I was curious to see my 'score', being a scam I wonder how much shit went down as my SS# flew around the internet. I was speaking idiomatically. |
"Free credit report dot com!"
I knew there had to be a catch. ![]() What kind of toxic man-thing is happening now? ![]()
Last edited by YO PITTSBURGH MIKE HERE; Apr 24, 2007 at 02:58 PM.
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It sucks that you have to pay extra if you actually want to see what your score is (when you go through the legitimate channels). I don't have anything negative on my report, but I don't have tons of credit lying around either, just a credit card and a car payment. I wonder how high that makes my score.
How ya doing, buddy? |
All I do is make the full payment on my card every month, and my score is in the 700's, if that tells you anything.
http://freecreditreportdotcom.ytmnd.com/ What, you don't want my bikini-clad body? ![]() |
I guess this is on the subject, but I hear that if you keep checking your credit report, your score goes down.
So just to clarify what Kat said, I think you get a certain number of no-risk checks per month. It's best not to check if if you're sure that your credit is good. I don't think anyone I know fell for this scam, but just in case, I'll spread the word to the other forum I'm in. Thanks. Jam it back in, in the dark. ![]() |
Wait, so you're saying I shouldn't take financial advice I hear over the radio? Okay, good call.
no actually this is a very good post, I'm just being facetious because lol free*.com There's nowhere I can't reach. |
You can get credit reports from any bank relatively easily, and it's probably a better way of going about it than anything available on the internet.
It's a bad idea to check your credit scores too often. In the screwed-up world that is consumer credit, every time you access your line of credit in any way, even just to get your score checked, you get reprimanded. It hurts your credit score to get a credit check. This thing is sticky, and I don't like it. I don't appreciate it.
<@a_lurker> I like zeal better than guru.
<@a_lurker> There, I said it, I'm not taking it back. |
Youch! Hidden $80 annual fee. I always thought if someone had the money to pay for commercials they would be at least somewhat trustworthy. What a stupid view, haha! Glad I never had to check my credit report.
I am a dolphin, do you want me on your body? |
Wait, is this the same company that sponsored that race team in Nextel Cup NASCAR...? (Ok, why am I asking this question on the forum.... like who watches NASCAR?).
Anyway, yeah, wouldn't trust them anyway. Surprised they had money to sponsor or even advertise on TV... I was speaking idiomatically. |
In my experience on the web, ANYTHING advertised directly as Free, isn't.
"I'm thinking of a number between 5 and 10, knows what it is? It's your prison term for Fraud!" What kind of toxic man-thing is happening now? ![]() |
FELIPE NO ![]() |
The thing about credit that strikes me as funniest is that signing up for those financial responsibility classes that teach you how better to manage your funds sends your credit rating straight into the toilet. Even though you're taking active steps to make yourself handle your money better, credit companies take that as a massive red flag. My solution is to never touch the things. I have a debit card through my bank, and that's all I need. If I can't afford it, I don't really need it. What, you don't want my bikini-clad body? ![]() |
![]() By the way, we are given a free credit report annualy (by law i think) and everytime you apply for credit and are rejected. The website for that is annualcreditreport.com And for the people who say most people on GFF dont need it, ever heard of Identity theft? Everyone should do it once a year... Jam it back in, in the dark.
Is there a Deadwood board game out yet?
"Go back 3 spaces you loopy fuckin' cunt"
Last edited by Cat9; May 7, 2007 at 09:47 AM.
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There's nowhere I can't reach. ![]() John Mayer just asked me, personally, through an assistant, to sing backup on his new CD. |
lol..I went to the site because it looked familiar. I guess because of the lawsuit they "warn" people(if you're color blind. Don't think it will help. The fonts are in light blue and on a "darker" blue background) on the front page that they're not the ones who provide the free annual reports and that they do charge you 14.00 a month. But still the url is pretty much deceptive.
This thing is sticky, and I don't like it. I don't appreciate it. |
Though really...who didn't see this coming a mile away? I mean the site wasn't 'free' so there had to be some sort of catch like the others were saying.
Needless to say my mom almost fell for it until she saw that you had to pay to get the actual report. I am a dolphin, do you want me on your body? ![]() |
I have an account with them... I've never been able to check my report though. Always something like "unable to bring up report". I haven't been charged any hidden fees, I check my balance very often, don't think I'd miss 80$ or more being sapped from something other than my website bill.
I was speaking idiomatically. |