Comments on: Crap: FreeCreditReport.com = Scam-a-licious

By: CEC

CEC — Thu, 13 Oct 2011 22:08:07 +0000

The ten day free trial with MyFico.com requires cancellation by email or phone. I attempted to cancel by phone on the tenth day. It was Sunday and their office was closed. The next day was Labor Day and their office was closed. I called to cancel on the next available business day and was told by the customer service representative and the three supervisors I was transferred to, that the free trial had already ended. I repeated that their office was not open on the tenth day. They said you should have called earlier or sent an email. I pointed out that their policy doesn’t say that ten days to cancel doesn’t apply to phone calls and that pretty much every business in the world allows the next business day to be the deadline for a cancellation that occurs when their office is closed. But not these guys. I asked for the name of the company president. They refused to disclose. I asked the last supervisor, Edwin, where their office was located. He said the United States. He eventually said Texas. I asked what city. He would not disclose that. Bottom line is that whatever else you find useful about them don’t get anywhere near relying on them to interpret a policy in your favor.

By: Nichole

Nichole — Tue, 14 Jun 2011 00:10:08 +0000

I tried to get my credit scores from them. Thinking I had heard of them before I didn’t have any reservations. After keying in my information it stated I had to call for validation. Which I didn’t think much of since I had a fraud alert placed on my account 3 years ago that lasts 7 years. After answering about 10 questions I asked the lady how many more questions so I have to answer? She informed me they had to get to 200 points. Now I doubt after 10 questions I hadn’t gotten there. After getting frustrated, I asked for a supervisor who was unhelpful. Then I asked a simple question. “Can I have an address to send a certified letter?” I was informed this was a web based business and they didn’t have an address. I informed her I didn’t need the call center address. I wanted the corporate address.. the one where the CEO works and etc. I was told they didn’t have one. She let me speak to the floor supervisor who informed me that they don’t have any address for correspondence. This was a RED FLAG to me. Any legitimate business has a correspondence address. I asked them how would I resolve overcharges if I don’t have a fax machine? I asked what if I wanted to hire a lawyer (hypothetically) and have them served? I was informed they do not have a physical address to their headquarters AT ALL.

Please do not use this company. It is a scam company. They couldn’t give me a number to contact corporate. Their solution was to send an email. What legitimate company only receives correspondence by phone or email? Buyer Beware!!

By: Dallas

Dallas — Tue, 15 Mar 2011 06:52:26 +0000

John:MyFico is the only site where you can get an actual FICO score and not a FAKO. Most lenders still use FICO

By: John

John — Sat, 12 Feb 2011 17:39:29 +0000

Myfico.com is a total scam they’ll try to trick you into buying one their “reports”

By: Jackie

Jackie — Thu, 20 Jan 2011 21:28:37 +0000

Stupid question, but if it is my credit score, and it is just a click away, why do I have to pay for it? And why can’t I check it whenever I like?

By: Michelle

Michelle — Sun, 04 Oct 2009 20:57:01 +0000

Thank you for exposing Experian, as the manipulative company they are!

I have tried to get free reports from annualcreditreport.com… the only known ‘Free” reports endorsed by the FTC. Same deal though!

EquiFax did play by the rules, ( no strings attached) but sure enough, EXPERIAN offers thier FREE report only if you sign up for thier rip off Triple Advantage- and yes, it it difficult to get out of.

Am I missing something ? I think I’d better stick with MyFico , and just pay for it!
Thanks for your info ….

By: Jerry

Jerry — Tue, 01 Sep 2009 19:52:43 +0000

I actually thought it was real, but after noting charges on my credit card, I sent a cancel email and called them. Going back into the website is a tricky deal, as it automatically thinks you want to order more credit info. Am now fighting a $24.99 charge for ordering a 3-bureau report, which I absolutely did not do. I should have checked it out here first…thanks for the info.

By: serena

serena — Thu, 11 Jun 2009 05:34:23 +0000

just a matter of reading and comprehension, baby..don’t be stupid..these days, nothing is free… you’re lucky enough to get your free report on their website

By: Ryan

Ryan — Thu, 12 Mar 2009 16:54:44 +0000

I signed up to check my credit report. I found out I had 7 days to cancel before I was charged on a monthly basis. I immediately called to cancel the account. After saying several times and very firmly: “Cancel my account, please”, the operator on the phone said the account was canceled and I would not be charged.

A few months go by, I was charged 4 times! I went through all these hoops to get my FULL refund of $59.80. I know it doesn’t seem much but I CANCELED my account! I finally got my FULL refund.

I have my whole story here and well as email, phone, and fax information to getting a refund:

http://ootie.blogspot.com/2009/03/freecreditreportcom-is-scam.html

By: nonskanse

nonskanse — Thu, 30 Oct 2008 02:41:57 +0000

I did it, and I cancelled a couple of days later. Boy did they try to talk me out of it… but it was “free”.

Not worth it!!

By: Archist

Archist — Tue, 07 Oct 2008 22:44:19 +0000

The commercials I really want to rip the guys face off and eat it. I tried there serves it was ok, but dear god I tried to cancel out. I had to threat them that I was going to change my card number and report this, they will give you so many excuses you wonder if they had a book full of them. Any how your best bet is to use the link above annual credit report and a good bank to inform you.

By: Beeb Ashcroft

Beeb Ashcroft — Sun, 05 Oct 2008 05:52:48 +0000

As if those commercials weren’t enough reason to hate them!!

By: Cap

Cap — Sat, 20 Sep 2008 14:53:06 +0000

Stop comment spamming my crappy blog, Mr. Look-at-me-I-got-a-new-logo-and-I-am-better-than-Cap.

By: jim

jim — Fri, 19 Sep 2008 13:39:49 +0000

Those commercials are sooooo annoying.

I love Kim Possible too!