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    Page 3 Reviews 40 - 240
    Customer ServiceStaff

    Reviewed April 4, 2012

    I signed into the free trial for to get my credit score to give to a prospective landlord. I clicked on "view my report.” I got a call from my credit card company about suspected fraudulent activity and noticed that I had been billed for $31.95 and $1.00 from I called the customer service representative and he told me that I had requested all three reports, an upgrade in membership that came with a one-time fee of $31.95. He told me that I would have seen a screen telling me this info and I would have had to click okay to see the three reports. I saw absolutely no such screen and I was not informed at all that I would be charged $31.95. I saw posts similar to this one, so even if I blacked out and messed up, they don't do a good job of making that clear. I will never use them again.

    Customer Service

    Reviewed March 8, 2012

    Well, we needed a credit report to move so I thought I would just use the trial and end membership last September 2011. I was also fighting breast cancer. I was very sick. I could not even balance the check book. I called and spoke with someone. They said they would take care of it for me and send me an email. Well, I did not think of it much after until today when I started going through my bank statements. So I called them, they said I never cancelled my husband’s. I did, but they are telling me I did not. I asked for a refund, they gave me 1 month back but charged me since September. I spoke with 3 different agents. What a headache. After everything my family is going through, that’s all they could do for me. Thanks, I will make sure I tell everyone about my experience with you!

    Customer ServicePunctuality & SpeedStaff

    Reviewed Feb. 27, 2012

    I tried to cancel 7 days after signing up for service online. After the rep tried 8 times to get me to stay, he finally said he'd cancel my service and send a confirmation email. I didn’t receive it. I called back a day later and was assured it was cancelled and I would be receiving two cancellation emails. Two days later, I’m still waiting. Reviewing various websites confirms they have a long history of ignoring requests for cancellations, yet there seems not to be any punitive action taken.

    Customer ServicePunctuality & SpeedReliability

    Reviewed Feb. 24, 2012

    When I was filling up the application for a job there was a link of website and suppose to go through to get the credit score to finish up the application. On the website, it was saying 30 days free trial for the membership. When I checked their website, it was for a 7-day free period. I have call them up and cancelled the membership immediately. But they charged me $21.20 on my credit card two days later. I put a dispute with the credit card company, but they made a three way call and the rep from was saying that I got charged because I cancelled it on the 9th day. I could have called them up early had I realized that their trial is only for 7 days instead of 30 days. When my credit card company got involved, finally they gave me a credit of $ 10.60, which I was not satisfied. Please beware of this company, they misguide you to get your money. They get you to join their membership one way or another, but it's very hard to get out from that trap. They are not a reliable company to do business with. Please be aware of this company.

    Customer ServicePrice

    Reviewed Jan. 23, 2012

    Where is the class action suit against should be called. "We are going to steal your money every month and there is nothing you can do about it." First, they tell you that you have 30 days to cancel, but don't provide you with any way to do so. Next, you do a bunch of research to figure out how to cancel on your own, jump through their hoops and think you have cancelled--they may even give you a meaningless "confirmation number"--but they still charge you $19.95. So, call the number on your bank statement and they will claim to cancel it for you, but they don't. Call again the next month and they claim to never have spoken with you and have no record of your call so you have to cancel again, but they still charge you another $19.95. They are a scam—all you can do is change your card number because they will just keep stealing from you.

    Online & App

    Reviewed Jan. 5, 2012

    I applied for the free credit report and I had 30days to cancel their service or they will take $19.95 from my account. After filling all the required fields, I got my report, but to my surprise they did not provide the web site or number to cancel their services. I did research and I found the website to cancel the services. I e-mailed them to cancel the services the same day. To my surprise, my account was over draft because Experian still charged my bank account $19.95 twice.

    Customer Service

    Reviewed Oct. 9, 2011

    I went to their site and did what I thought was a free Credit Report. I decided to cancel my membership the same day because I did not want to pay for services that I did not want to receive. I spoke to Cleo who even gave me a hard time about cancelling my account, which I thought was unprofessional, rude & made me mad. She said that I would not be charged for anything so I believed her. I decided to check my bank account just in case, & surprise! There were 3 charges totaling $32.00 from I then called back to get my money back & was pretty much told I'm ** on getting my money back, which I think is a bunch of **! I've filed BBB complaints and will not be letting this issue go. This "company" cannot continue to get away with this.

    Customer Service

    Reviewed Sept. 2, 2011

    This was advertised on the home page as a free credit report--a charge for three reports. I looked at one and then I was billed for $14.95 on my Visa which had been listed as compromised. I called and the girl stated that it was for the first month's service and it's non-refundable and that I had not read the ad correctly.

    I am unhappy, very unhappy because the way the ad ran, it implied that this was urgent from Comcast's point of view.

    Reviewed July 31, 2011

    After several years of being bombarded from T.V.,radio, e-mails and the print media regarding a free annual credit score I went on-line and received my score from the above company, after giving them my credit card numbers, of course, just in case I wanted to have a membership. Which I didn't. When I next went on-line to view my on-line banking account there was a $14.95 pending charge upon viewing that account! On 7-25-11 I called the above number and talked with Kevin and accused his company of false advertising and threatened to contact your agency and report their practices. He backed down and said I would have free full membership privileges for a few months and then membership would be automatically cancelled and charge removed. I do not want to wait a "few months" to have the charge removed because if it is not paid promptly then credit card company will add interest to this balance! As of this date, 7-31-11, the charge remains.

    Reviewed Jan. 13, 2011

    I have been applying for jobs online recently, and I have found several jobs that seem too good to be true. The supposed hiring manager requested that I first get a credit report before we set up an interview. They explained that the report had to be from the because they are familiar with the site. After getting a free credit report which cost me $14.95, the employers kept asking if I went and got the credit report, and they refused to set up an interview or give a phone number. obviously has something to do with this scam, and I would not use that site.

    Reviewed Dec. 30, 2010

    I went on the internet to get a free credit report and the next thing I knew, I was being charged monthly for a service that I had no idea I was enrolled. I feel that the way they are marketing is a scam. When I requested to speak to a manager, they kept me on hold for hours, and never picked up the call! Please let me know if there is anything I can do about this! I am so upset.

    Reviewed Sept. 9, 2010

    I began receiving unsolicited emails, phone calls and text messages from ****. Their emails provide no way to unsubscribe or opt-out of their emails so I sent a reply to ****. Their answer was to call them to make a change to my account. I explained that I have no account with them, have never done any business with them, and again asked that my email address be removed from their list. Once again, their response is to call them. So I called.

    The representative on the phone asked for my social security number to verify my account. I explained that I have no account and was given the number to stop receiving emails. He argued that I must have an account and needed my social security number to look it up. I asked yet again what it would take to stop receiving their emails and he said he needed to get into my account. They provide no easy way to unsubscribe from their emails and ask for private personal information which is a violation of the CAN-SPAM act. I've also filed a complaint through the BBB and the FTC.

    Reviewed Aug. 3, 2010

    I signed up for the free credit report for my husband and myself to view our credit scores. I did receive the reports. We then went on vacation for a week and when we returned, we were disgusted to see that they obviously had sold our email addresses to outside sources and from the day we signed up to the present, we have both received hundreds of spam emails on both of our email addresses. It is absolutely appalling that a company who is there to protect your identity has the right to forward your personal information to companies that we did not authorize to have.

    We do not use these email addresses for everyday purchases, etc., they are our personal addresses. We have another email address that we use when we make purchases, etc., so that we do not get unwanted mails. We feel very violated from a company that is supposed to protect your personal information. This should not be allowed to happen. Seeing their deception, I can just imagine the others that have been affected. Once I realized that this was happening, I obviously canceled the membership, but it was a day or two after the free trial date deadline so we were charged a combined total of $29.90. I feel like I paid money for being harassed! Also, it is so annoying and time consuming to go through my inbox everyday and either mark as spam or unsubscribe to each email. They should be liable for their actions!

    Reviewed Aug. 3, 2010

    I never signed up for anything, or accepted any free offer, yet was I suddenly charged 3 times in a month, for a service that was never requested. This is a scam business! The credi card company company issued me a new card number, as this was an unauthorized occurrence.

    Reviewed Aug. 1, 2010

    I signed up for a free credit report and I ended up being charged for it which I did not complain about as I exceeded their trial period! But a month later, I got charged $12.95 and it seems I would keep getting charged that every month for the monitoring service which I never intentionally signed up for! They opted me in, which is very very petty and very low-ball thing to do this day and age. When I called customer service, they said they will not refund me the money, even though I had not logged into the site or availed of any monitoring services! This is a scam and it's legal for them to do it! Do not go to

    Reviewed May 2, 2010

    I am being billed for credit report service monthly, which I never ordered, need or want. I never got any information from the company and cannot reach them. I am trying to get my credit card company to stop this charge but so far have been unsuccessful.

    Reviewed April 19, 2010

    I ordered a credit report from and almost a year later discovered that I am being charged $12.95 every month for credit monitoring service. I immediately contacted their customer service and requested to cancel the service and give full refund for service I never requested. When talking on the phone their representative stated that I accepted their terms and conditions which gave a 30 day free trial for credit protection. She also mentioned that they sent statements every month , but I knew that I have not received them. While on the phone I asked her what was the last date they sent email, and found that their message was marked as spam by gmail and never made it to my Inbox.

    Reviewed March 26, 2010

    I received an email for a free credit report trial for 14 days and then monitoring for $7.95 a month if not canceled within 14 days. The next day, I noticed that I was charged $29.95 from them. When I called, they informed me that I ordered the free trial report, but I did not open it, but I also ordered a 3 credit report for $29.95 which I did access. And that they won’t be able to refund my money because I clicked on the link. I was charged $29.90 and then $35 from my bank for insufficient funds.

    Reviewed March 26, 2010

    I signed up for a free credit report. They automatically signed me up for their credit monitoring program under a free 7-day trial,which is not very long for such a program. They never sent a courtesy email to warn me that the free trial was ending soon. When I noticed that they charged me on my card statement, I went to the web site to cancel my account. The site has no clear way to cancel so I sent them an email through their contact us page asking them to cancel my account and not to bill me any more.

    I received an email a few days later saying that I would need an order number to cancel. They never supplied me with such a number so I had to call. On my first call, I got a person who tried to talk me out of canceling because I had some alerts. So, I checked these alerts and called back. The next person I talked to decided to do what I asked and canceled my account. I asked if the latest charge would refunded to me and I got the explanation about services being already rendered and no refund was possible. This company works the system to its own advantage by having a trial period that is too short to be any good, and by not making it easy to cancel your account. When I did some research, I found that they have treated many others in the same way.

    Reviewed March 23, 2010

    An advertisement for credit reports popped up when I signed into my e-mail account. So, I clicked on it and followed along until I discovered that they were charging money for the credit reports and would send them monthly, I believe was the deal. There was no way out of their website, except to click on the close button in the top right of the screen.

    In reviewing my checking account today because of a discrepancy of several hundred dollars, I discovered that I had been charged $14.95 for credit reports, which I understood were free to the person to whom they pertain. I did not request this service and I do not want it. I would like to have my $14.95 refunded immediately. I have also not received any credit reports to my knowledge. I have never seen one, so I don't know what they look like anyway. Thank you for your consideration and cooperation in this matter.

    Reviewed Dec. 16, 2009

    On approximately Nov. 17th or 18th, I ordered a "free" credit report on It clearly stated there would be a $9.95 charge if I didn't cancel the subscription within 9 days of ordering my free credit report. I received my credit report one day later and immediately cancelled my subscription and received a confirmation email. The next day (2nd day after ordering the free credit report), my account was debited $29.90. When I contacted, the customer service person stated that there was an outside company that charges a fee of $29.90 when a person orders credit reports from the 3 big companies: Experian, Equifax and TransUnion. The customer service person went on to say that I must have approved the charge of $29.90 during the ordering of the free credit report and that they have no control over the fee of other company charges.

    When I asked for contact information, informed me that they have no contact phone number for them, that is why I didn't provide Consumer Affairs with one. The customer service number for is 1-877-481-6826. When I first saw the charge on my bank account and immediately called, they advised that I would have to fax a letter explaining that I was unaware that a charge of $29.90 would be applied to my checking account. I also had to request in my letter that the fee be refunded to me and to cancel my subscription with also advised me that it would take up to 30 days to receive a response (in writing) from stating their decision.

    After waiting for 30 days, I received a letter from yesterday (12/15/09), stating that they denied my request. I want to know why that is fair that they can take money that obviously wasn't stated during the process of signing up for a free credit report and why made me wait 30 days when they knew ** well they had no intention of refunding my money? I think they are being very deceptive and I had no idea there was another company (hidden company) involved with I am very angry and think this is a ripoff! Thank you for any help you may be able to offer.

    I feel that I was wrongly charged as nowhere did I see anything asking me to authorize a charge for $29.90 to my account. I have been back and forth with and told then that unless it was boldly stated during the sign-up process, then I consider it a hidden charge. They maintain that they have nothing to do with the other company and there is nothing I can do about it. I feel I was ripped off.

    Reviewed Dec. 12, 2009

    On about 10/8/09, I got an email offering me a free credit report. I thought it was the one I get every year. I applied for it. I was gone to California the next day until 10/22/09. I had a friend pay my bills so they wouldn't be late and did not see the charge on that statement. Now, I got my new statement and saw a charge of $14.95. I called them and asked why they were charging me. They said that I had signed up for a monthly charge, which I had 7 days to cancel. They said that I marked the box, saying that I would comply with the regulations or whatever. This is a blatant lie! I know better than to ever mark that box. I got stung once before on something like that and when that box comes up, I leave the site.

    They said that they would cancel my subscription, but could not refund what they had already gotten. I see that many other customers have been scammed by this same company, in the same manner. I told them that I would put it in dispute with my card company. They said, "Go ahead, we don't care." I have put it in dispute, but have not heard back from my card company. I have written a letter to Consumer Protection. I think it is time that something is done about these practices. I am 83 years old and I know that a lot of old people do not check their statements or do not understand them. If you have been a victim of this scam, please report it to Consumer Protection.

    Reviewed Oct. 13, 2009

    I noticed an inactive (but not closed) credit card bill on 09/09 with a $12.95 balance. This has been for an unordered service. No reports ever received or requested and continuous monthly billing of $12.95 every month since 4-7-07 - around 30 months. $12.95 x 30 months = $388.50 and counting. Attempts to extract any factual information regarding this account were met with smoke and mirror computer techniques, trade the co-worker blame and other unknown tricks that are as scummy as shoplifting. What about a class action suit?

    Reviewed Sept. 21, 2009

    My husband, Richard, ** was directed to this site by IBEW Local 400 to monitor his credit report at no charge due to the Union's database being compromised. This occurred back in July 2009. Richard accessed the site and ordered a free credit report, so he thought. Thirty days later in August 2009, we received a bill for $12.95 on our debit card account (which is used for our online PayPal as well). We contacted the customer service dept. and spoke with William on 8-16, explained the situation and asked to cancel the service. He said there would be no future billings. No confirmation number was given for cancellation. We now received our bank statement for September and were again billed $12.95 for a credit report service.

    I called the company on 9-20 and spoke to Autumn that we were again billed and we had cancelled in August. She noted same to us and confirmed the cancellation request. But she could not issued credit and asked me to call back Monday 9-21 and speak to a manager who can issue credits. On Monday, 9/21, I called and spoke with Mike, who refused to help me as he wanted to only speak to my husband, Richard. There was a note on my account from Sunday saying that Autumn had obtained permission from Richard for Credit Report to speak with me (his wife) regarding this cancellation. Still Mike refused and when I asked for his manager, he advised they didn't have one. He continued to refuse to help me and would not transfer me to a director in charge, so I hung up.

    I then proceeded to dial back in and this time spoke with Shaquira. She also refused to help me and would not give me to her boss. She said, "My boss does not take calls." I asked her for the name of their CEO and she refused to give it to me. She said, "Go online and look it up." I replied I was online and the only info available for contact was a PO Box. She said, "That's too bad then." At this point, I said I was contacting the FCC and BBB and turning them in. Shaquira replied, "Go ahead. I don't care!" I then disconnected the call and proceeded to contact the FCC who referred me to the FTC, State Attorney General's Office and Better Business Bureau.

    Reviewed Sept. 15, 2009

    I went to this website to see my one bureau credit report through the trial version. When I was looking at my report, I saw a tab showing free 3 bureau credit reports, and when I clicked on it, the 3 bureau credit reports were opened without showing I will be charged something or not. The other day when I checked my email, I got the emails telling that I would be charged for $29.95. I was shocked to see that I didn't authorize for anything like this and why this thing happened even without showing that I ordered something and I am gonna be charged for something.

    When I called the customer service, he said, "Yes, you ordered the report." But I told him I didn't authorize any withdrawal from my bank account. He said, "You will be just charged $12.95 for the monitoring." I asked him "Is that all?" He said, "Yes, sir, that is all." But after a few days when I checked my bank account, I was charged for $29.95. I was like $29.95 for the reports that I didn't even wanted to order. I called back, and they refused to refund and said, "You ordered it." So, I just lost $30 right away for nothing.

    Be careful with this website. They will show you something and will try to find ways to charge you without your permission from your bank account or credit card account that you gave them at the time you made the account. So once you are on this website, never think that you will get something free from here. It's such a scam.

    Reviewed Aug. 20, 2009

    I went to the website and ordered the 3-in-1 credit report for $24.95 in November of 2008. Their company (not you) signs you up automatically for their free 7-day trial which you must cancel or be billed $12.95 a month. I discovered these charges on August 20, 2009, 10 months later. I called and asked for a full refund. They gave me a one month refund. This company is affiliated with consumerinfo, and CIC Triple Advantage which has been fined by the FTC for these same practices. Can you please stop these people? Go to complaints, ripoffreport, or just look up CIC Triple Advantage which is owned by Experian. Experian needs to have their license pulled. FTC hasn't spanked them hard enough! I want a refund of $129.50. I was also charged 15% interest by my eBay Mastercard on these charges.

    Reviewed Aug. 4, 2009

    On March 25th, 2009, I used a credit report site to get my first free credit report ( Some of my friends had told me I could get one for free. The site has an area to put in your credit card, which was supposedly there to "establish my account." The site read, "You will not be charged during the free trial period. However, valid credit card information is required to establish your account." I thought, okay, how could that hurt? I'm allowed a free credit report per year. Underneath that, there were terms and conditions. I thought I was just making an agreement that I was 18 years of age, and not committing anything fraudulent. Little did I know, I was being signed up for credit monitoring each month after "a trial period." I thought that by giving them my credit card / ATM number, I was just establishing who I was. That, to me, is "false advertising" and ripping off the consumers to be putting something in such a devious and manipulating form.

    Reviewed June 30, 2009

    I was online and put in for credit report and said I had a 7-day free trial. I called in to cancel 2 days later and talked to Rosie. She took my name and said she had the account there and would take care of it. I asked for a cancellation number and she said she took care of it. It was just $14.95 but the point is that every little bit out of the pocket hurts. They are ripping people off. After I called, they gave me a cancellation number and then if you don't check your e-mail often they will charge you again because they want you to go through steps on there for the cancellation to go through, which they don't disclose either. On my wife’s complaint also, I called in on 6/23/09 around 8:51am and my wife, Charlet at 8:55am.

    Reviewed June 30, 2009

    I was online and put in for credit report--and you had a seven-day free trial. I called in to cancel two days later and talked to Christine. She took my name and said that she had the account there and would take care of it. I asked for a cancellation number and she said that she took care of it. It's only $14.95 but they should have to disclose that you need a cancellation number for them to cancel. They are rude and they tell you, "You will not get the money back." They also send you an email after you have cancelled and if you don't follow the steps, your cancellation won't go into effect, which they don't disclose either. People who don't check their emails often will get charged again.

    Reviewed June 22, 2009

    On February 18, 2009, I purchased the 3 credit reports and 3 credit scores (Transunion, Experian, Equifax) for $24.90 using my Visa card. For short, it is called "3 plus 3." On May 16, 2009, I called the credit card company to dispute the charges after I noticed the April bill of $12.95 in my credit card statement. I checked back and saw the March bill of $12.95 as well. I was advised to call the vendor ( and clear the matter with them. representatives, whom I've talked to (Yes, I called a few times.), said that the bills were nonrefundable. Its current website recently changed, because now, it is offering a free 7-day trial. The monthly monitoring has also increased to $14.95. Back in February 2009, the monthly monitoring was automatically included in the purchase of "3 plus 3." It meant that purchasing the credit report has mandatorily signed me up for monthly monitoring fee, unless I cancel. Why would add further stress or obligation for the consumer to watch for when the whole world is already on such financial turmoil?

    What I am trying to say is how can a customer get the time to cancel it when he/she is busy working or looking for a job to pay the bills and put food on the table? Obviously, that is its strategy for the same exact reason--people have no time to call just to cancel, and by the time these people realize it, their credit cards have already been charged and deemed nonrefundable. As a result, the company earned money!

    My Visa credit card was charged three (3) times in the amount of $12.95 each for a total of $38.85 (March/April/May 2009). I would like to be refunded, because calculated and deceived each customer, including my self on their sales strategy. I am referring to all customers who purchased prior to the introduction of their renewed website with renewed offer. Thank you.

    Reviewed April 28, 2009

    I have been trying to cancel Every site that appears to give a way to do this is a dead end, and actually is only an opportunity to purchase more. The entire process from the initial inquiry has been deceptive. Contact information shown above is all that I have been able to obtain. Thank you. Consequences: charges to my credit card.

    Reviewed Feb. 2, 2009

    In November of 2008, I went to for a free credit report. I knew that the company would sign me up for a trial period of their Fraud Alert service, which would monitor my credit. After two weeks and before the end of my trial period, I called the company to cancel the service. I was told by a company representative that I was a day late and because I already paid for the current month's service, I should keep it for a month and call to cancel again on December 12th, before I was charged for the next month. When a customer calls to cancel service, the company representative is extremely pushy. They immediatlely talk over you using reheasred lines about credit fraud and what a problem it is. The phone call to cancel should have taken a moment of time, instead it took 15 minutes until I was able to hang up. On December 12, I called to cancel again. I encountered the same agressive sales tactics but made my position clear. I had to repeat my intent to cancel five times. Finally, the operator said my account would be cancelled. In January, I was charged yet again after receiving an auto-generated email about my credit. I called on January 21st to speak to someone about the situation. This time, the representative told me she had no record of my request to cancel and asked me for a confirmation number. I could not provide one as I didn't get one on the call during the previous month. She launched into the same speech I am now very familiar with. After 10 minutes of going back and forth, she agreed to cancel my account and provided a confirmation number. Yesterday I received the auto-generated email from saying I had no new alerts for the month of January. With this being my guide, I am sure I will be charged again over the next couple of days. I emailed the company and have not yet received a response. The saga continues.

    Reviewed Nov. 15, 2008

    unauthorized charges to my account. i never gave them my account information so this is very disturbing to me as to how they got it. cant get ahold of this company to settle this. action needs to be taken against this company. need help please

    Reviewed March 2, 2008

    I called to cancel on January 29th, after viewing my free credit report. The agent advised me that they will send an e-mail before the 30-day trial expires to remind me. Of course, they never did. So I realized March 2 (two days after the trial ended) and called to cancel. Of course, the foreign CS agent said I will not be charged any longer. I had to literally shout at him to get him to divulge that I HAD already been charged. He finally let me speak to a supervisor, who did nothing more than talk down to me and laugh with other agents in the background. The only thing she offered me was a phone number...that doesn't work on weekends. I have yet to find out it it even works at all.

    Unwanted charges on credit card, interest because of unexpected charges, stress dealing with people who refuse the help.

    Reviewed Jan. 29, 2008

    I went to (parent company - Mighty Net, Inc.) because I saw a Google ad for a free credit report. I found later that I am being charged $11.95/mo for credit monitoring which I had no idea I signed up for. I called them, and they directed me to their site where the $11.95 is BURIED and TINY. Even though it's on the home page, the $11.95 is buried under two long paragraphs of tiny type in a knock-out font (which ad people know is harder to read). Meanwhile, the rest of the site SCREAMS FREE credit report. I am willing to bet there are many consumers fooled and deceived by this.

    $11.95 per month. I noticed it first month but bet that many consumers don't notice until a few months in.

    Reviewed Jan. 22, 2008 told me I could view my credit report and credit score as much as I want within their 30 day free trial program. They said as long as I canceled before the 30 days was up, I would not be charged on my credit card that I had to use to sign up for the program. Well, I canceled before the 30 day trial period was up and they still charged my credit card $29.95. I filed a complaint with my credit card company (Orchard Bank) and still no resolution. I then took it upon myself to contact the company today. I spoke with a Supervisor, Mr. McQueen and explained my problem to him. He told me that they will not be refunding me any money because I requested a credit report during that trial period that wasn't a part of the program I signed up for. I told him that that was ridiculous considering the program said all these benefits were free during the 30 day trial period. I wanted to express how that is very misleading to Customers! And that I was going to file a complaint if they did not do the right thing and reimburse me! He boastfully told me to go ahead and proudly gave me his name.

    They charged my credit card without my permission $29.95 for that month and also $1.00 for the four times I went to the website to view my reports. This caused me to have negative reflection on my credit report for my credit card exceeding it's limit and/or showing a high uses when it come to credit card balance. This is the opposite of what their company promises which is to help improve your credit report and credit score! It caused me financial and emotional stress!

    Reviewed Jan. 14, 2008

    This website is for a free credit report. In small writing off to the side it says you will be automatically enrolled if you don't cancel within 30 days. I have been using this site for years and never been charged or enrolled in anything. They have changed the format to automatically enroll people now. I never received any emails confirming this, reporting anything or saying anything was going on with my credit. THERE SHOULD BE AN OPTION TO SAY NO THANKS RATHER THAN THIS SCAM TO AUTOMATICALLY ENROLL. I can't believe they would be allowed to automatically enroll people in order to get a credit report.

    I was charged $11.95 for the service that I did not realize I was getting. They refused to refund my money, and when I called the bank to dispute they can't accept a dispute for this because it is in the disclosure--even though it is small print. This is just another way for someone to take advantage of people for trying to do the right thing by monitoring their credit.

    Reviewed Aug. 30, 2007 advertises on TV and the Internet that you can get a free credit report + credit score, provided you agree to a 30 day trial of their credit monitoring program. If you dont like the program, you dont get charged, provided you cancel it before the end of the 30 day trial period. If you like the program, your credit card will be billed $9.95 a month afterwards. This sounded like a great deal, so I signed up for a free? credit report + credit score. When I got my VISA bill 8 days later, I noticed I was charged $24.95 for this free? credit report + credit score. I contacted them for an explanation. They told me the credit report + credit score arent free?, despite the fact their website says Get Your FREE Credit Report + Credit Score? on every page where you can sign up for it. They claim I chose to pay $24.95 for this free? credit report + credit score when I clicked on the Submit button. Now, why would I agree to pay $24.95 for a free? credit report + credit score? I never would have clicked on the Submit button if I knew the credit report + credit score werent free?. This is TOTALLY MISLEADING ADVERTISING. Its just a ploy to get people to sign up for their credit monitoring program. I feel that I was deviously charged $24.95 for a free? credit report + credit score without any up-front indication on the website that the free report + credit score werent free?. All TV viewers and Internet users should know about this TOTALLY MISLEADING ADVERTISING.

    Thank you for any help you can provide.

    I was charged $24.95 for a free credit report + free credit score. They won't give me a credit on my VISA card. They said their website clearly indicates that I would be charged $24.95 when I clicked on the Submit button. My IQ is 150. I did not see any such disclosure, and certainly would not have clicked on the Submit button if I knew I was going to be charged $24.95 for a free report.

    Reviewed June 11, 2007

    I saw on their website that I could order a credit report and free score for $19.95. I ordered a report and am now being charged $29.95 as apparently it defaulted to give me 3 scores. In addition, I did not select to pay for credit monitoring but I am being charged for it. I called to have it cancelled and refunded but they refuse to refund the charge saying that it is written in the terms and conditions. I feel I am being deceived and defauded as I did not select to order the credit monitoring and I thought I was purchasing the product for $19.95 not $29.95.

    I was overcharged by $19.95 and feel that this company is decieving the public and defrauding people out of money. It may be a small amount for me but when they keep doing this to anyone who signs up it adds up for them.

    Reviewed Jan. 17, 2007

    I ordered a 3 in 1 credit report and upon clicking to retrieve my report, I received a screen that said that my order was processed but there is a problem with online access to your report. I paid for a real time service and if their system is down, it should not allow my order to be processed OR they should have a live person I can speak to who can troubleshoot. They provide an 800 number but no one is available. It's a violation to take someone's money but not provide the service. It appears that their accounting system had no problem charging my credit card but the actual 3-1 credit report that I paid for was completely inaccesible.

    Economic damage = $20

    Physical damage = aggravation and no peace of mind that keeps me from sleeping because now I don't know if my credit report is correct!

    Reviewed Oct. 5, 2006

    This company provides a free trial of credit monitoring when a credit report is requested. After the month, if you don't call to cancel the trial, they start charging debit/credit card up to $12.95 per month. I am sure this is spelled out in the fine print somewhere, but I know of an elderly women who couldn't grasp this concept and paid for two subscriptions for up to 4 months before she became aware of what was actually happening. THESE PRACTICES SHOULD NOT BE ALLOWED.

    Several months of bank charges.

    Reviewed June 11, 2003

    I needed an updated credit report from all 3 bureaus so I went to and ordered their 3 in 1 report for $30.00.

    This was followed by being denied viewing my credit report online due to a so called strict authorization policy, which wasn't explained at all.
    I did finally get what looked like an incomplete, outdated report in the mail.
    That was only the begining however, as I was billed another $34.90 for a creditwatch service to monitor inquiries, etc.

    Nowhere on their webpage is there any notice you will be activating a monitoring service.

    If you call them on the phone and you get an answering machine, when you do get someone on the phone they seem to have no recollection of your account, then the phone hangs up!
    Do not deal with these people at all, completely unprofessional.

    The damage can be described as distrust and general disgust with certain online services, buyer beware!

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