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FIB - Scams 101 - Ye Olde Archives
Posted By: Sammy Singer In Response To: Beware of FREE Credit Report or this could happen to you... (HappyLady365)
Sunday, 31 October 2004, at 7:11 p.m.
Yes, I gound out the same hting. However, it is free (but only one report from one of the CRA's and no credit score (that is extra). You have to read everything before you buy. It specifically tells you that you have to cancel before your first month is up or you will be charged $9.95 for each month thereafter until you cancel.
HOWEVER.
I do believe that they engage in untrustoworthy marketing practices. I noticed when I signed up that you had to call in on the phone to cancel. I told myself as soon as I read that part that they will try to push me to keep the subscription. I was right. And even worse tried usuing a play on words to screw me into not canceling. I cannot exactly remember the question the operator asked me, but it sounded like she was aking me if I wanted to cancel but in all actuality they were asking the opposite. If you answered YES, they would not cancel, even though that was your initial intent when you called.
I answered YES. But I immediately caught it the scam and I stated "NO, I WANT YOU TO CANCEL MY ACCOUNT!" The operator said, "OK. So you DO want me to close the account?" To which I replied, "I want you to close my account. THAT IS WHY I CALLED IN THE FIRST PLACE IF YOU RECALL CORRECTLY! PLEASE DO NOT BEAT AROUND THE BUSH AND TWIST MY WORDS".
She then got really rude with me and hung up. I watched my card statement ready to dispute the charge if it came through but she really did cancel and I never was charged.
So becareful of anything that they say is free. Most of the time the product or service IS free, but there are always stipulations and fine print that you must read or you'll get screwed.
Sammy.
> I have been receiving several spoof emails from banks and credit cards
> companies that I do not do business with so I decided to get one of the
> FREE 3-in-1 Credit Reports which covers Equifax, Experian, and Trans
> Union.
> If you go to the home page of these Credit Reporting sites their is a fee
> charged for your report, so I could not understand how these other
> companies were giving you all 3 reports FREE.
> You know the rule when it sounds to good to be true
> Be sure to read this....
> http://www.consumeraffairs.com/credit_cards/consumerinfo.html
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