Tag Archives: credit report

Free credit score my ASS!


Why do i even have to speak about this topic? Companies such as free credit score .com basically act as an agent for a fee. They attempt to get you hooked into a membership by offering free trial periods. usually a 7 day free trial period. Lets use free credit score .com as an example.  free credit score REQUIRES you to enroll in their triple advantage program (Here is the A- HA moment. If you now go to the www.experian.com site you will see that the triple advantage program is the same program that is offered by Experian. Are you starting to understand that with this blog i am trying to teach you how to look past the sales pitch). That after your 7 day free trial period if you do not cancel within those 7 days will automatically start billing you $14.95 a month. You can cancel your membership at any time BUT YOUR FEES ARE NON REFUNDABLE. Now let’s go to their frequently asked questions page where you will find some interesting facts and extras. They only offer the Experian credit score. But for an ADDITIONAL one time fee they will order  you the credit report from the other two credit bureaus. (that sucks because you should get all 3 credit reports as some times they differ from each other) they offer card safe service for an ADDITIONAL $19.95 annual fee. Child secure service for an ADDITIONAL $6.95 monthly fee. Which requires card safe for $6.95 monthly fee. Go to their site and read the rest for yourself. A few things i want to point out. Why in the world would anybody want to use a service like this, when you can go direct to the source (Equifax,Experian,Transunion) who already have most of your private and sensitive information and offer most of the same extra services. When you use free credit score .com they keep and store all your private and sensitive information. When you use their card safe service they keep and log all of your credit card information.(are you serious you worry about using your card at retail stores, but now you want to give access to your most private information and credit card numbers to a company based in san francisco but registered in Delaware). The credit score calculation that they call your plus score is just the standard calculation offered by Experian. They say things like, as a member you will ENJOY the following benefits like $50,000 product guarantee (yea but not in New York) I don’t know about you but i ENJOY things like a good restaurant, a base-ball game, sex, etc. I don’t know if i will ENJOY third-party sales offers, pop ups, or solicitations, or benefits at extra ADDITIONAL fees.We take privacy and security very seriously (i hope so, but what those that mean to me) all your information that they collect remains in their system. BOTTOM line you can get a free credit report from ALL 3 CREDIT BUREAUS AT www.annualcreditreport.com and if you want any of the extra options offered by free credit report .com you can get them directly from the 3 credit bureaus who ALREADY HAVE YOUR SENSITIVE information. Instead of having your information in the hands of some third-party company somewhere out-of-state. Come on people wake up. You should NEVER use companies like these that offer free credit reports, there are tons of them out there. Or who offer to repair your credit score (They CAN NOT) Instead go directly to the credit bureus. www.experian.com, www.transunion.com, www.equifax.com Its easy for you to do it yourself, but it does require you to do some work. Stop being lazy! Also go to www.ftc.gov

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