Comments on: FreeCreditReport.com is a Scam!

By: In awe of your YOUR voluntary ignorance

In awe of your YOUR voluntary ignorance — Wed, 16 May 2012 02:23:26 +0000

HEY IDIOT,
When you buy car insurance they usually tell you upfront what your premiums will be and exactly what you will be paying. Plus you are talking to a person and can have your questions answered, not relying on an automated system that you are told you can trust. You’re buying into your own BS because it’s sadly obvious that you’re probably too lazy, stupid, or ignorant to pursue/defend anything other than quick money scams as your line of work. Your arguments are shallow and devoid of substance. If you use the word “FREE” or “$1.00″ to push a service, and the result is the exact opposite then by virtue of common sense, said service IS NOT “FREE” OR “$1.00″. The hilarious irony here is you preaching to other people to take responsibility. I truly feel sorry for anyone who makes the mistake of calling you friend.

By: Frediot

Frediot — Tue, 08 May 2012 02:15:15 +0000

You Fred (fake name, supporting scammers) Lofton are an idiot.

People are not salivating over getting sometihng for nothing. Most consumers know you get a free report, they get duped into going to sites like freecreditreport.com because they think it’s the proper way to actually obtain a FREE report that they are entitled to yearly.

They are not signing up for some monthly service and are abmushed by scammers. Most could walk into their local bank or credit union and don’t realize it. Most would gladly pay a reasonable fee to have something pulled, formatted nicely and delivered to them. But nobody wants to be wacked for what these idiots do.

By: Chris Osborn

Chris Osborn — Tue, 10 Apr 2012 06:11:52 +0000

Fred,
People like you are the problem. Do you really think that people who go to a site called “Free Credit Report” are agreeing to buy a $15/month credit monitoring service?
FreeCreditReport.com is a scam. More than 5000 complaints have been filed with BBB in the last 3 years. The fact is they do not adequately disclose negative option enrollment, they have deceptive advertising, a misleading domain name, and fail to honor cancellations.

By: PISSED

PISSED — Sun, 08 Apr 2012 06:52:42 +0000

OMG I had NO IDEA freecreditreport.com was a tricky rip off! I was horrified to see in my acccount that they charged me $31.95!!! I did NOT purchase anything! I’m gonna call them and I hope they will refund me my money. I can’t believe this! If they will not refund me my money I will report them to BBB. I should regardless! I just HATE freecreditreport.com AND Experian who was the ones that charged me. Dammit!

By: reiverpacific

reiverpacific — Sun, 18 Mar 2012 23:41:02 +0000

The whole concept of three so-called credit bureaus covering a huge, complex nation like the US is ridiculous and needs to be entirely reformed as they are inefficient, incompetent, unforgiving (never taking into account human frailty or something happening in someone’s life which has hurt them already and these crooks just rub it in) and corrupt. You try to get any error -with which they are all riddled- fixed and you will end up in knots with little or no recourse. And yet their decisions are assumed by most people to be final and almost God-like, no questions asked (which we should, constantly). They can make or ruin a person or business. I think a national campaign for credit reporting reform is long overdue. And they are NOT government agencies by the way, with little oversight; they are totally privately funded, mostly by the “big brother” corporate banks and finance houses who use them most and whose side they always take.

By: Dani

Dani — Fri, 16 Mar 2012 15:23:51 +0000

DO NOT use freecreditreport.com, I agreed to pay a fee of $1 for a 7 day trial. We cancelled our account within 4 days, I found 3 charges from my bank account in the amounts of 31.95. When I called, they explained that it was a mistake to charge 2 to one account and only refunded 50% of the charges!!! Tota BS… ScAM!!!!!!!l

By: Michelle

Michelle — Mon, 12 Mar 2012 09:30:46 +0000

I had an amount of $19-95 debited to my credit card which I had no idea what it was about. On phoning my card company they told me the name of the company and I googled it only to find it was Experian and there were other people being defrauded. I have never gone onto their site to order a credit report (and as I live in South Africa I certainly would not order a credit report from the USA). So, where did they get my credit card details from (as it is always in my possession) and whose report did they do? Big scam I say.

By: jesse

jesse — Sat, 03 Mar 2012 19:27:01 +0000

i avoided all the buttons that will charge you money. (it is possible) i went through the process of telling them all my private personal and financial info. end result….”we are unable to provide your score at this time”…gee, so the site is “free”. the only problem is…they give you literally nothing. and don’t forget, most people wouldn’t consider wasting 20 minutes of your time and giving-up private info “free”. also, i didn’t forget to immediately call them and cancell the $15-a-month charge that i know they would-have charged. (wouldn’t that be great….to be charged $15 a month to be told “we’re sorry, we can not provide you with your score”/) scamola

By: Toya

Toya — Sat, 03 Mar 2012 17:55:14 +0000

IT IS A SCAMMMMM. Through mint.com I signed up for a free trial period- which I cancelled same day. I viewed my reports, mind you, NOWHERE did it say I was going to be charged 29.95 for viewing the reports. Now, I know some of the other comments say you should read what’s in the fine print. But as a professional company, you have to be forthright with what you are charging customers. I also think mint.com needs to research who they are doing business with, before referring all of their peopoe to such a scammy business. But truth be told, they are probably getting some back-end profits from freecreditscore.com .

Anyways, I threatened them that I would go to the better business bureau. After being “scolded” and told that for future purposes, I should read all fine (super fine, damn near invisible) print and disclosure agreements before buying anything, I ended up getting my 29.95. And you know what, thanks for the lesson Freecreditscore.com. I will… ’cause you can’t trust ANYONE with your money. Thanks alot!

By: FreeCreditReportNOT

FreeCreditReportNOT — Thu, 16 Feb 2012 17:09:00 +0000

The same thing that happened to Rockage, just happened to me yesterday. I agreed to pay the $1 fee to see my reports now, not knowing that I had unwittingly agreed to an additional fee of $29.95 to see all three credit bureaus reports now. Without signing up again, I cannot see the page where this charge is supposedly disclosed (according the the CSR at FCR.com I spoke to a little while ag). I called to cancel my “free” trial membership and they tried to sell me a 1/2 price membership; they also told me I agreed to the $29.95, and I did NOT anywhere see where that was going to be charged before I clicked to view my reports now. I am not an uneducated person and I do read things before I sign/agree to them, so to have missed this disclosure is not like me, so I have to believe it isn’t readily apparent. I feel scammed, but lesson learned and I will not use their services again.

By: Rockage

Rockage — Mon, 30 Jan 2012 20:06:59 +0000

Shawn, I am an educated professional who makes six figures with degrees in media. Fact, intelligent people are being charged $29.95 after signing up for a one dollar trial period. Obviously you have to provide billing information to be charged. There is a detailed security and confirmation process for them to charge the $1 with the understanding that if not canceled within 7 days, you will be charged $16.95. However, after this process is complete, if you mistakenly click on “see my reports now” instead of “view my member benefits”, you are automatically charged $29.95, without any confirmation whatsoever. The key is in the word “reports” meaning three instead of one – something easily overlooked by a non-idiott. The only idiocy is in your ignorance.

By: Rockage

Rockage — Mon, 30 Jan 2012 19:56:02 +0000

I am an educated professional bringing in 6 figures and in no way an “idiot” as you so eloquently state. Your positive experience is based on the fact that you willingly signed up for the service. People who only want to see their credit scores are encouraged to sign up for the one dollar trial. Through trickery and bait/switch tactics, these people are being charged additional fees without their knowledge. The only idiocy is in the ignorance of people who believe that if it doesn’t happen to them, it doesn’t happen.

By: Rockage

Rockage — Mon, 30 Jan 2012 19:45:31 +0000

You are missing the point. Your positive experience is because you willingly signed up for the service. The trickery is in the bait & switch tactics used to get people who can not afford the service to sign up for the one dollar trial, go through the whole approval process, then click on “view my reports”. These people cancel within the 7 day trial period but are unknowingly charged an additional $29.95 for viewing their reports. There’s some fine print that most people miss, so they don’t have to refund the charge. It’s a win/win scenario for Experian and if nothing else, an immoral practice against the American people who are no doubt funding their outlandish advertising budget.

By: Rockage

Rockage — Mon, 30 Jan 2012 19:26:08 +0000

Fred, I am a Director in a well-known advertising company in Manhattan. I promise you, if you knew how much they were spending on those commercials… you wouldn’t be so quick to defend them. I am an educated professional and I was tricked by their tactics. They are misleading at the least. See my story on this blog. We would never have knowingly paid $62 to see our credit reports. They very purposely use trickery and play with words to trick people into being charged. Then, they don’t even confirm the charge like they do with the one dollar trial. People don’t find out about the $29.95 charge until they see it on their bank statements. This is classic scamming, they just put in fine print to get around it. Eventually, the truth will come out… you will see.

By: Rockage

Rockage — Mon, 30 Jan 2012 19:16:26 +0000

I agree with the others that I hate freecreditreport.com with a passion. They are scam artists who literally got away with taking $60 from our checking account without our knowledge or consent. My husband and I wanted to see our credit scores so we each signed up for the one dollar free trial. The next day, we canceled (after much push-back from their CS reps). Upon looking at my bank statement, I noticed they charged each of us an additional $29.95. I called furious. I was told that when we were given the option to either “see my credit reports” or “go to my member benefits”, we chose to view reports. Apparently, this enabled them to charge us $30 each because they included all three reports, not just Experian. Neither my husband or I saw anything saying we would be charged this fee. We agreed to $1.00 to see our credit score only. I find it disgusting that you have to go through this whole security process to sign up for the free trial… But apparently one click after that allows them to charge you $29.95 without any confirmation. It’s financial molestation and they should not be allowed to get away with it. They are basically scamming the American public to pay for their outlandish commercials. Shame on freecreditreport.com!

By: Scam Baby

Scam Baby — Fri, 06 Jan 2012 23:51:19 +0000

A recruiter made me choose freecreditreport.com and buy my own report and supply a subsequent customer number to be considered for a job.

By: I would never have touched freecreditreport.com if

I would never have touched freecreditreport.com if — Fri, 06 Jan 2012 23:47:56 +0000

I would never have touched freecreditreport.com if its link hadn’t come to me by a prospective employer who did not give me a choice about which credit reporting company I had to buy a report from. So, it was a genuine scam. The “Let the buyer beware” maxim does not apply to illegitimate offers linked to phony employment listings which don’t actually exist.

By: Laron Williams

Laron Williams — Sat, 31 Dec 2011 18:10:57 +0000

I signed up for a free trial, I never gotten anything free, but worst they charged my card twice 2 days apart! A SCAM IF I NEVER SEEN ONE!!!

By: Brian

Brian — Wed, 21 Dec 2011 22:01:51 +0000

Freecreditreport.com, what a scam. Intially cost me $29.95, plus the $1 and now I have been hit with a $16.95 charge because I didn’t cancel within 7 days. So what is supposed to be “virtullay” free has cost me $48.

By: Chrisfragger

Chrisfragger — Fri, 25 Nov 2011 17:23:37 +0000

I see the employees of this RIP off company are sticking together like Felons.

By: Dana

Dana — Sun, 13 Nov 2011 00:44:28 +0000

Fred, you do sound like you work for them…but in all honesty, if you do not….PROPS for reading the site. I have a membership at FreeCreditScore.com which is another monitoring service offered by Experian and I absolutely love it. I was in no way mis-lead…but of course, I’m not an idiot. I READ things when they ask for my CC info. It kind of makes you question people’s intelligence when they think something as complex as the sites’ services should be free…..who will build the site? who does the monitoring? who makes the interfaces? who issues emails for alerts? who takes your calls when you forget your username and passwords? Come on. NONE of those things are free….this company has employees to pay to even offer the services they provide. What they charge is minimal fee compared to what it SHOULD cost. Power to the smart people in these comments. Good job reading the extra large fine print in orange bold letters on the main page! ;)

By: Dana

Dana — Sun, 13 Nov 2011 00:37:35 +0000

Wow. You forget your email password and that’s freecreditreport.com’s fault? So you couldn’t pick up the phone and call customer service and have them change the email addy for you? Nope. Instead, let’s sign up for ANOTHER membership, not read the BIG letters that say “IMPORTANT” and then place blame cause that’s easier. LOL. Sounds like your problem, not theirs. You’re the one who entered your CC info!

By: Tomina

Tomina — Fri, 21 Oct 2011 23:06:36 +0000

I pretty much consider something a scam when they intentionally set up their webpage for upgrades that don’t actually read as an upgrade. I directly asked the representative how it is that I did not hit anything on the webpage that indicated and upgrade NOR approved a “31.82″ charge…she was describing the PICTURE on the exact page where I made my “upgrade”…..not telling me what it was I actually clicked on to put myself in this mess. Look up the definition of fraud, b/c you apparently don’t know it….deceit, trickery, sharp practice, or breach of confidence, perpetrated for profit. Might be worded differently elsewhere…but it all means the same thing.. Scamming companies are making a living these days…..and it’s b/c nobody is stepping up. You’re only posting this response b/c you haven’t had this experience yet. You’ll get yours….you should just hope its not a scammer taking advantage of you or family as they age. FYI….this company is outsourced….and handling US citizens personal info and credit info.

By: shane

shane — Tue, 18 Oct 2011 16:40:39 +0000

The employees don’t make money by how many of you guys sign up with us. They make it by letting you know how the membership will help you and you decideing if it would. They are actually hurt by the free trial bc so many ppl then cancel and are also hurt by you ppl getting yourself charged cuz you end up just being angry, rude, and refuse to even consider anything they have to offer. I have also openly told ppl who called in fcr was a membership not just a one time credit report and if they wanted just that, annualcreditreport.com was were to go. So buck wheat, instead of calling the employees scumbags and crooks, why don’t you just let ppl know what the site is and the cost. You don’t look like a jerkoff that way and ppl would believe you more.

By: shane

shane — Tue, 18 Oct 2011 15:06:54 +0000

You work there but you don’t even know those sites are all run by separate enties? Wow…

By: shane

shane — Tue, 18 Oct 2011 04:26:04 +0000

I hope you realize that the reason the state govs look into it so much is bc as soon as you see that they are listening, you’re way more likely to vote their way. The site is already regulated. They also probably think that you won’t realize that bc of the type of ppl you are. Ones who don’t think into things.

By: shane

shane — Tue, 18 Oct 2011 04:11:09 +0000

That site is actually transunion dude. All three bureaus have sites which all operate under the same principle

By: shane

shane — Tue, 18 Oct 2011 03:47:08 +0000

Hey guys. I actually have worked in the past before for them and was a rep that’d you talk to cancel. Yeah, I was affiliated with the. No, its not a scam. For one, to start, this site is a credit monitoring site. It’s designed to help ppl with id theft and the like. That’s what the monthly charge is for. It also clearly tells you that in important information to the left of the page or top of the page. Anyway, if you aren’t interested in that, please stay alway. The site is for that and they just offer the report as a complimentary item. The 29.95 charge is for a 3 bureau report and it states you will be charged for that as well. So if you aren’t interested straight up go to annualcreditreport.com for you reports. You just end up annoying the reps by complaing and being rude.

By: Mr. Goldman

Mr. Goldman — Tue, 20 Sep 2011 19:03:26 +0000

I spoke to this group about being billed for something I don’t recall buying and even have a cancellation notice on another email account. If you don’t think it’s a scam, consider the following:

1 – They told me that they do not send monthly email invoices for billing (as every company does) since they have millions of customers and they cannot send out an email. I reminded them that numbers other companies do send out emails – same drivel. They obviously don’t send you a monthly invoice or notice you are being charged so you won’t suspect you’re being charged.

2 – I discovered that I had two accounts – I created one because the other email had become inaccessible and I couldn’t locate the user name. They knowingly allow you to sign up for the same name, social security number, date of birth and with two different email addresses. They don’t say “the same person is on file.” This is done so that you can buy or be billed for the same service on two accounts. It’s amazing how they can identify the same person when it’s convenient for them or would result in a problem for them.

They know what they are doing. They are using their status as a credit reporting company and making sure you have to be completely on top of every bit of fine print to not realize that there is virtually nothing “free” about signing up. They aren’t alone.

By: John

John — Mon, 19 Sep 2011 14:28:05 +0000

This company truly is the worst.

It cost me $45.90 for a “FREE” Credit Report.

$29.95 for I don’t even know what … they are taking advantage of the fact that they have your credit card number … It’s awful

By: rvindave

rvindave — Tue, 23 Aug 2011 23:46:45 +0000

I got taken as well. Was willing to pay for the credit scores as a one time deal, but little did I know they were enrolling me in a monthly billing. And I received no email saying the monthly bill had posted on my credit card. I only noticed that when looking at my credit card bill .

By: Sergio Juarez

Sergio Juarez — Fri, 05 Aug 2011 01:09:35 +0000

I had the same exact experience, they said they would refund my money, yet I haven’t received a refund and am disputing through my bank.

They are purposely charging people more and I hope someone files a class action against these scam artists.

By: Shawn

Shawn — Tue, 02 Aug 2011 18:38:04 +0000

I have 420 in my name and I can still safely say that most of the people complaining about this being a “scam” or “ripoff” are absolute IDIOTS. I can settle this whole issue with a SIMPLE ANALOGY: When you go into ice cream store or a supermarket and they offer free samples, you can take them without HAVING TO PAY ANYTHING. Therefore, they ARE IN FACT FREE. The representative will then offer the ice-cream or product itself FOR A PRICE.

IDIOTS PAY ATTENTION PLEASE HERE IS THE MOST IMPORTANT PART>>>
ITS IMPOSSIBLE for them to be charge you for the membership over the internet unless YOU GAVE BILLING INFORMATION. You probably TOOK THE FREE SAMPLE AND GAVE BILLING INFORMATION FOR THE MEMBERSHIP. Next time don’t be an idiot when you give out your billing information and then you won’t have to write articles about scams to justify a decision that was not thought out.

By: Mark

Mark — Mon, 01 Aug 2011 01:07:33 +0000

It’s a scam! Being the cynic I am I read between the lines. I do my homework, investigate company profiles and their m/o’s. I can without a shadow of doubt label Free Credit Report a scam! Their mentally challenged TV ads should be reason enough not to do business with a company like theirs.

By: Mark

Mark — Sun, 31 Jul 2011 22:35:04 +0000

Oh and before I get accused of it…….I am in no way affiliated with any company mentioned in these post or any company at all for that matter. I’m just a hard working normal guy who goes to school full time and works 60+ hours a week!!! So don’t start accusing me of working for the so called “scammers” cause I do not!!!

By: Mark

Mark — Sun, 31 Jul 2011 22:29:06 +0000

Wow some of you people are so ignorant……you just can’t wait to blame somebody else for your stupidity!!! What they are doing is perfectly legal and in no way is immoral. LOL I love how you all act like the fine print is some mysterious thing that is not visible to the normal person. In all honesty the fine print is not that fine at all and can be seen plain as day on multiple pages. Oh and did I mention that it follows the word IMPORTANT in bold letters!! As far as Florida doing an investigation…..They would investigate a pile of pig shit if enough people complained…..they wanna be sure to get reelected!! So suck it up and take responsibility for you mistakes!!

By: MC

MC — Tue, 26 Jul 2011 20:58:53 +0000

I just signed up for their $1 service and it clearly stated the 7-day grace period and the automatic enrollment in their monthly service if not cancelled. Pretty legit, and pretty similar to free magazine subs.

By: Evelyn Valenza

Evelyn Valenza — Tue, 26 Jul 2011 06:57:09 +0000

I signed up with experian.com because I actually considered paying the monthly $15.00 which I read that I would be charged unless I cancel within 9 days of the say I signed up. It also clearly stated that I’d be charged $1 to view my report. Nowhere did I read that I’d be charged 29.95 extra!!! I signed up today and just checked my bank statement and there is that mysterious $30!! Now that I read your complaints and resolutions you better bet they’re gonna hear from me tomorrow morning!!! And rest assured they are NOT going to have my business like I originally planned.

By: bruce algier, sr.

bruce algier, sr. — Tue, 19 Jul 2011 23:26:53 +0000

i have tried to get my senator to investigate them twice and both times he would not even answer my e-mail. i believe that since it is run by experian, which is one of the three credit bureaus, the politicians recieve campaign contributions from them, so they protect them. i got my money back by filing a complaint with the better business bureau.

By: craig brown

craig brown — Tue, 19 Jul 2011 09:02:20 +0000

Free credit report should be investigated by the federal government. They are a terrible scam and they are hard to cancel. You think you cancelled but you actually did not according to them

By: Amy

Amy — Sun, 17 Jul 2011 18:56:29 +0000

It is NOT a scam! I have to agree with Fred. This is the reason, I signed up. I get a notice when my score goes up or down, or if someone is looking at my score. It is all for my protection. It was all stated in the terms and conditions. I’m currious how many of you just scrolled down and clicked Yes, I agree with the terms? If you have to leave your credit card number, you need to read everything. I also get an monthly email and it shows up on my banking statement. I can’t even imagine how it could have gone unnoticed for 7 months as mentioned above, when I was notified two different ways. Your credit score is serious, you need to pay attentention to details.

By: Jamie

Jamie — Fri, 08 Jul 2011 05:43:24 +0000

FYI I have been paying for Free Credit Report.com for months now, trying to buy a house, come to find out they reported my score being 90 points higher than what it really is. My financial advisor told me that this has happened to many people he has worked with. When I emailed FCR.com I got some generic reply not answering any of my questions, or even apologizing for charging me for an incorrect service.

By: Aman Patel

Aman Patel — Wed, 06 Jul 2011 16:26:53 +0000

This website is a scam. Mint.com mislead me to give 7 days free trial but I got charged $24.99. Never ever subscribe to service like this even they give free for 7 days of a month. This is a money making business by showing something else and take more money by cheating. Most 99% will not get notice and read * small instructions hidden somewhere.

I request ppl not to signup with freecreditscore website. It is misleading.

Aman Patel

By: bruce algier, sr.

bruce algier, sr. — Tue, 05 Jul 2011 16:30:43 +0000

i found one that is truly free. it is credit karma. they do not ask for a credit card or any type of payment. you get 1 score but that is enough to know where you stand. give it a try.

By: brian

brian — Tue, 05 Jul 2011 15:46:36 +0000

this is pretty funny.. this site bashes one place, and recommends 2 others.. one of which does the same thing! you sign up for something, and if you don’t cancel you pay for a subscription to something… it is free if you cancel right after your initial credit report.. that’s any place you go to..

By: Sammy D

Sammy D — Mon, 04 Jul 2011 18:04:52 +0000

I agree… with Fred. People are thinking it’s a scam, but are disregarding the fine print. They see free and immediately sign up. It’s not a scam if they are stating everything in the terms and conditions.

By: Christine Rogan

Christine Rogan — Fri, 01 Jul 2011 12:09:38 +0000

Agreed.

By: john

john — Mon, 27 Jun 2011 11:37:06 +0000

Bad Bus stay awawy from creditreport.com!!

By: bruce algier, sr.

bruce algier, sr. — Fri, 24 Jun 2011 22:39:22 +0000

filing a complaint with the BBB is the best way. I got all my money back after filing a complaint with the BBB

By: Robert

Robert — Fri, 24 Jun 2011 16:38:38 +0000

Freecreditscore charged my card 14.95 and I have never called, contacted, emailed or even been to their website. I have had this card for over 22 years, never have had a problem like this until now. This occured in the same billing period that I signed up for PAYPAL ,,, very suspicious. I no longer have the card or a PAYPAL account.