Comments on: Why FreeCreditReport.com Is a Scam

By: Sophie

Sophie — Thu, 01 Dec 2011 11:38:40 +0000

Bret’s right – for US citizens, the only federally authorised online source for free credit reports is annualcreditreport.com. There are a lot of scammers out there with similar-sounding website names, so be sure to check you’re visiting the official site!

By: Bret

Bret — Thu, 01 Dec 2011 03:46:33 +0000

I didn’t have any trouble canceling the service, but that’s probably because they had already nicked me for $29.95. I’m not going back to the site to confirm it, but while going through the process I could swear that you got all three agencies report for free and they would be available in the future for $29.95.

My bad for being deceived? Maybe, but you should beware and learn from my mistake.

annualcreditreport.com is the actually FREE, government mandated source for credit reports.

All of the others are luring you to pay for what the government has mandated that the agencies provide for free.

By: Jacob

Jacob — Thu, 06 Oct 2011 19:03:18 +0000

Austin,
You’re a “smart” consumer? When you’re attempting to belittle a group of people based on your the opinion that you are more intelligent than them, you should really go back and proofread your comments before you click post. OR… You could call your high school English teacher and tell him/her how bad they have failed you in life. You don’t even know the difference between “there” and “their.” If you are considered smart where you come from, I hope I never have to go THERE.

Furthermore, if I am told that I will receive a “free” credit report, there should be NO exchange of money. Period. It is irrelevant what is written in the terms of the agreement. They advertise a “free credit report” and NEVER provide one. The facts are simple and concise. Call it a scam, false advertisement, or just plain “shystering” but this company needs to face the consequences and consumers need to be aware of its misleading techniques.

I just called to cancel my account before the 7-day trial membership had expired, and I had to literally BEG the girl on the phone to process the cancellation. When I say BEG, I mean BEG. She WOULD NOT do it. I had to threaten legal action before I could get her to process my request. If that doesn’t scream “illegitimate” then I don’t know what does.

By: Sophie

Sophie — Mon, 19 Sep 2011 17:57:13 +0000

To us, a scam is any moneymaking scheme that purposely misleads people into spending their hard-earned cash. These “businesses” take advantage of people’s financial worries in order to get them signed up to a subscription program – and let’s not forget their failure to honour cancellation requests, leaving some users stuck with a regular payment they don’t want or need. There’s no doubt in my mind: FCR is a scam because they hide what they’re really offering by calling it “free”.

By: Austin

Austin — Sat, 17 Sep 2011 22:57:18 +0000

There are some uneducated people on here that obviously dont know what a scam is or the concept of one. A scam is paying for a service and/or product and not recieving the promised goods or service. a scam would be me calling one of you hillbilly rednecks and asking for you to forward 500 dollars cash to an account in return you get the opportunity to take a vacation worth 1000 and after doing that not recieving the offer. FCR obviously uses a misleading name but you get 1 free report than you pay annually to !!RECIEVE!! a service of getting a report and identity theft protection. Did any of you boneheads actually pay or get charged and NOT recieve a monthly report or promised service?? Its amazing you pay for the service and guess what guys you get a service. Be a smart consumer and read before putting your name and info out there. They can disguise their business some where in the print and word it how they want, use a misleading name(not a honest business practice but thats not scamming you) but its your responsibilty to go out and find out if there are charges or not or if there are fees you take care of. And let me tell everyone who reads this im a FCR work enthusiast who makes million from this company endorsing there product….NOT or i definatly wouldnt be on this forum caring about your opinions trying to figure out the best way to check my credit score instead of hiring it out to a professional hahaha I’m just a smart consumer annoyed with all the boneheads out there and there bad consuming habits. hope your enjoyed fellow SCAMMIES

By: joseph

joseph — Wed, 20 Apr 2011 21:26:27 +0000

Yeah Tom is right.

I think it is bull shit that a profiteering company has access to my personal and private information but apparently I am not entitled to that information without the risk of having to actually at for it. That is like having to pay my bank every time I request my balance information. Its bullshit and people shouldn’t have to pay for it.

FRC IS A SCAM. ITS MISLEADING. ITS NOT FREE. END OF STORY. Proud customer my ass… More like… glutton for punishment. Sounds more like a corporate rebuttal. I wonder what it pays a month to lie and to cheat people out of their hard earned money. Especially in this economy. You should be ashamed of yourselves.

By: Thomas

Thomas — Sun, 31 Jan 2010 20:41:09 +0000

Don’t believe the hype of Sarah, Fernanda, & Sam. Obviously, they are pretending to be customers of FCR.

What customer finds a scam post and writes that they are “proud customers”! I know people who rag on Mcdonald’s and Coca-Cola, but I don’t defend it by saying I am a “proud customer”, and that I should “read the terms and agreements”.

Raise your hands, everyone, who reads the terms and agreements of everything you take part in? Understood, you should read them, but people get FCR to get FREE CREDIT REPORTS.

Sarah and Fernanda ( which is the most hilarious made up name of all time ) talk about identity theft. Which is fine. But people didn’t sign up for FCR for IDENTITY THEFT!

That’s like going to a clothes store for a free shirt, and they charge you for a burger and fries. Yea, maybe I was hungry, but if that was the case, I WOULD GO TO A PLACE THAT SELLS BURGERS!

What kind of response is it from customers who say they like the identity theft service from a company that markets free credit reports? That means the company is still duping the customer, because:

A. They have a service ( identity theft protection ) that they DON’T market anywhere until you sign up or read the fine print ( which 6px font mind you ).

B. They market their service as getting free credit reports. The guy singing in the commercial doesn’t talk of Triple-Advantage.

This is a true scam. If anyone posts that it isn’t, they are either company people POSING as customers, or people making money advertising the service on their website. I am sorry, but if someone says “read the find print” to defend a product, or says that another TOTALLY UNRELATED product is worth paying for when you signed up for a free product, then this company is a scam. Period.

By: Fernanda

Fernanda — Tue, 17 Nov 2009 05:42:57 +0000

Yes, I am with Sam and Sarah, I have been using their service for two years now and I’m very happy with it. They actually saved me twice from getting something negative to stay in my credit report (once when my bank did not pay my credit card automatically, as it was setup to do and it raised an alert on FCR before my bank cared to notify me. The second time, my work’s Finance Department did not pay the amount I requested to be taken out of my paycheck to my work’s charge card). Yes, I know you can get your credit report ONCE A YEAR for free. However, I have two credit cards, a credit line, a car loan, a business loan and my work’s charge card; FCR tells me right away if any of these many accounts has any problems, even before I get any notification from the different institutions I deal with. Whenever a credit card company or financial institution checks my credit, I get notified right away. That is the best way to ensure that no one is playing with your social security and attempting to steal your identity. Finally, I get to track my score monthly. I payed off a large sum of debt I had in one my credit cards a couple of months ago, and my credit rate changed accordingly. So, stop crying about being scammed. I’m sorry, but checking your credit report once a year does not equate to properly tracking your credit score.

By: Sarah

Sarah — Wed, 21 Oct 2009 17:55:16 +0000

I’m with Sam. I use their service and am very happy. You can only receive one report from each reporting co. annually. For me that is not enough. Maybe none of you have delt with identity theft. I don’t want to wait more than a month to find out that an account has been opened in my name. $15 a month is worth it to have access to my updated report as much as I want. I found out that someone opened a credit card in my husbands name in FL and we were paying their cable bill, never knowing, and getting late charges, killing our score….a royal mess. FCR.com’s membership alerts you of any new accounts being opened in your name. I found their terms very clear. You all need to take time to understand what you are purchasing and stop playing the victim.

By: Tony

Tony — Sun, 06 Sep 2009 19:32:42 +0000

I never gave these people my credit card number?
Are they taking advantage of their access to credit card information to charge your card without you giving it to them. Even if its in the fine-print, people feel safe as long as they don’t provide their credit card numbers.