Thank you,
Kaylena

They sent my report 3 days after I cancelled, which was 15 minutes after i tried to get my erport and was advise and assured i would not get charged. Come to find out they charged my credit card the following day. What is that? I called and spoke to a supervisor and she advise me that i would have to write a letter to a different department and gave me a PO Box or i can fax, but i can’t call, because they don’t have a number you can contact someone and try to get your refund. Apparently they don’t offer a refund to many people and that my case was an exception, but i would have to write or fax. I bet you that the PO BOX and fax number given to me will most likely be open just to be open and not a place you can get your money back. They will most likely sit on your letter or fax and wait until you forget about it! Simple money for them, isn’t it? I’m am impaled by how it was handled, but then again this is how SCAMS are handled!

Is there anyone out there who knows and is able to point me in the right direction in trying to dispute a wrongfully charge on my card????

freecreditreport.com + no english speaking reps = SCAM, SCAM, SCAM, SCAM

I’m glad that I did not run into the problems that others here have seen. At least, not yet. I will watch my bank account for any charges from them. What I do find interesting is that you can enter your SSN, address, credit card information, etc. online, but for “security” reasons you have to call up to cancel. I guess their website security only works during the enrollment process.

Our street mailing box had some security issues so we had all mail forwarded to a P.O. Box.
Credit card statements say not to forward. Because we weren’t using the card, we didn’t know that charges were racking up along with being late with the payments. Now our credit has been changed from 5.9% to 29.9% and our credit score dropped 50 points.

Never use a “FREE” credit service. Nothing in this life is free and could end up costing you for the rest of your life.

“Stupid ME”

Do not be cheated again!

SOLUTION:
While the situation is obviously extremely frustrating, the solution wasn’t really that hard. **First of all, when dealing with over-the-phone customer service representatives, it never pays to lose your shit and freak out. Remain calm while on the phone and try to be polite no matter how strong the urge is to start screaming at the dumb dumb on the other end of the line. Call the number provided on the website under “CONTACT US” 1-877-481-6826. The representative will bullshit you for a while about how when you read the terms of service, you agreed to the trial period and payment thereafter. Just keep insisting on the fact that you never agreed to it. Eventually she said she cancelled the account, sent a confirmation email, but cannot authorize a refund. At this point, ask for a supervisor. I was put on hold for 5-10 minutes and when she returned to the phone, she said that she went ahead and escalated my claim and a full refund will be processed within 7 or however many business days. DONE. Good luck to you all.

I signed up…paid, knew what I was paying for, and got it. I am now the proud owner of a detailed credit report, and three credit scores (all very similar).

Unfortunately, the numbers that FreeCreditReport.Com provides on behalf of Experian, TransUnion and Equifax are not necessarily the numbers that any of these agencies will report to a lending organization. In fact, despite the fact that FreeCreditReport.Com had an Experian credit score for me of 659, Experian reported 0 (yes, zero) to my bank. The lenders can ask for any model they want, and most of the time, it’s not going to be the model that actually includes everything.

The (extremely polite and patient) CSR at Experian told me the only reason I’d need to know my credit score was “personal curiosity”, and agreed with me that I’m SOL.

It seems it worked…The credit reporting agencies made all of us consumers believe we should know our credit scores. Too bad we all fell for it, since it’s pointless information. Capitalism is working!

EMPLOYEE February 21, 2009 at 11:16 pm
it is all your fault (yes I turned on my computer) if you are charged do not blame my company ( how can I be charged by your company if they don’t charge me???) which is one of the best companies in America ( the company is based in America but are you?) for the service we provide (who says this??? you ? what report says this?), we will MONITOR your credit so you can know right away if you are being scammed(your report is off by so many points this report is useless) . THIS SERVICE IS NOT A SCAM you know what you got your self into when you signed up unless you were in such a hurry and did’nt read the find print.(why is it in fine print?? …to decieve) THIS COMPANY IS THE BEST COMPANY I HAVE EVER WORKED ( I really don’t care if it is the best company you have worked for) FOR they treat us well and give good bonuses ( bonuses for talking to the consumer and misleading them) even in these tough economic times and in these times more than any other it is important for people to have this service available to them and you want to take it away???( on by the way ther real free credit report is sponsored by the U.S. Govt so that is the best) how about my kids whom I have to feed and cloth?( really don’t care ??? how about mine…do you really give a rats ass about my kids…nope!) obviously you dont care about them at all or my ( you got it) livelihood and just so you know MANAGEMENT WILL NOT ISSUE FULL REFUNDS AT ALL FROM THIS POINT ( nope if you get the BBB or a govt agency involved they WILL refund it) AND THAT IS BECAUSE OF YOU INTERNET CRY BABIES AND ALL YOUR POSTING (WAAAAAAAAH!! we post because of your underhanded way of doing business) so you will not expect a refund except for one month because that is all we are authorized to do ( so now you own Experian??? how can you make such legal decisions, I got all of my monies back so this statement is as false as this whole post you previously did) and those of you who say we are scammers well YOU ARE THE ONES TRYING TO SCAM US BY GETTING SOMETHING FOR NOTHING ( hey I have an idea….use 24 font maybe bold and in RED and tell potential customers of your deceptive practices and charges up front) so consider yourself lucky to be getting such a great service for only $14.95 per month and stop crying…(ha.hahahahahahahaah you stop crying….you will be unemployed soon if enough people know of your deceptive practices) have a great day ….also I bet you aren’t even in the U.S. you must be in an outside call center. Have a great day my friend….remember the more people (consumers) you piss off the smaller customer base you have!!!! you are doing such a great job at keeping it that way!

OH BY THE WAY the band in the commercial lip syncs :)))) just as phoney as this report!!!

Cheers!!!!!

John!