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	<title>Comments on: Is FreeCreditReport.com A Scam?</title>
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	<link>http://www.bargaineering.com/articles/is-freecreditreport-com-a-scam.html</link>
	<description>personal finance blog with anecdotes, advice and commentary.</description>
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		<title>By: Kim</title>
		<link>http://www.bargaineering.com/articles/is-freecreditreport-com-a-scam.html/comment-page-1#comment-380808</link>
		<dc:creator>Kim</dc:creator>
		<pubDate>Wed, 16 Nov 2011 16:40:11 +0000</pubDate>
		<guid isPermaLink="false">http://www.bargaineering.com/articles/?p=4606#comment-380808</guid>
		<description>Freecreditreport.com IS A SCAM!!!!!!

On April 8, 2010, I applied for Free Credit Report.com report because they advertised one free report a year and I wanted to buy a house.  Little did I know that they had tacked on a 19.95 fee each month unbeknowst to me (It is November now and I just recognized the pattern-I had initially thought it was an Experian charge for freezing and unfreezing my credit--which it was not).  I thought free creditreport.com was something the government set up so that we could check our credit once a year and make sure it was ok.  With all of the other bad people out there trying to steal our credit and use it for thier own purposes, what chance do we have when the credit agencies themselves are stealing from us? I&#039;m a secretary. $20 a month is a LOT of money to my family and I. Yet we are now helpless because you cannot fight the big credit agencies. Or can you?  If there is a class action suit or a lawyer that will help, I would like to know, just out of principle alone. This has nothing to do with their awful customer service either, who talk over you when you try and explain how morally wrong this is. And now I am reading about how many other people they have stolen from and the government is LETTING them. What a sad state our nation has become. God Bless America indeed.</description>
		<content:encoded><![CDATA[<p>Freecreditreport.com IS A SCAM!!!!!!</p>
<p>On April 8, 2010, I applied for Free Credit Report.com report because they advertised one free report a year and I wanted to buy a house.  Little did I know that they had tacked on a 19.95 fee each month unbeknowst to me (It is November now and I just recognized the pattern-I had initially thought it was an Experian charge for freezing and unfreezing my credit&#8211;which it was not).  I thought free creditreport.com was something the government set up so that we could check our credit once a year and make sure it was ok.  With all of the other bad people out there trying to steal our credit and use it for thier own purposes, what chance do we have when the credit agencies themselves are stealing from us? I&#8217;m a secretary. $20 a month is a LOT of money to my family and I. Yet we are now helpless because you cannot fight the big credit agencies. Or can you?  If there is a class action suit or a lawyer that will help, I would like to know, just out of principle alone. This has nothing to do with their awful customer service either, who talk over you when you try and explain how morally wrong this is. And now I am reading about how many other people they have stolen from and the government is LETTING them. What a sad state our nation has become. God Bless America indeed.</p>
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		<title>By: tony campbell</title>
		<link>http://www.bargaineering.com/articles/is-freecreditreport-com-a-scam.html/comment-page-1#comment-379573</link>
		<dc:creator>tony campbell</dc:creator>
		<pubDate>Fri, 28 Oct 2011 16:35:58 +0000</pubDate>
		<guid isPermaLink="false">http://www.bargaineering.com/articles/?p=4606#comment-379573</guid>
		<description>My name is tony campbell i use this freecredit and we have only one time.so please tell me what i neeed to</description>
		<content:encoded><![CDATA[<p>My name is tony campbell i use this freecredit and we have only one time.so please tell me what i neeed to</p>
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		<title>By: George Jetson</title>
		<link>http://www.bargaineering.com/articles/is-freecreditreport-com-a-scam.html/comment-page-1#comment-335861</link>
		<dc:creator>George Jetson</dc:creator>
		<pubDate>Tue, 19 Jan 2010 07:22:08 +0000</pubDate>
		<guid isPermaLink="false">http://www.bargaineering.com/articles/?p=4606#comment-335861</guid>
		<description>I think you need to double check what site you went to.  There is no option for annual billing at Freecreditreport.com.</description>
		<content:encoded><![CDATA[<p>I think you need to double check what site you went to.  There is no option for annual billing at Freecreditreport.com.</p>
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		<title>By: George Jetson</title>
		<link>http://www.bargaineering.com/articles/is-freecreditreport-com-a-scam.html/comment-page-1#comment-335860</link>
		<dc:creator>George Jetson</dc:creator>
		<pubDate>Tue, 19 Jan 2010 07:20:24 +0000</pubDate>
		<guid isPermaLink="false">http://www.bargaineering.com/articles/?p=4606#comment-335860</guid>
		<description>if you read it&#039;s a 9 day trial, a class action would get you no where since they tell you exactly what you are signing up for on the front page of the site.</description>
		<content:encoded><![CDATA[<p>if you read it&#8217;s a 9 day trial, a class action would get you no where since they tell you exactly what you are signing up for on the front page of the site.</p>
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		<title>By: George Jetson</title>
		<link>http://www.bargaineering.com/articles/is-freecreditreport-com-a-scam.html/comment-page-1#comment-335859</link>
		<dc:creator>George Jetson</dc:creator>
		<pubDate>Tue, 19 Jan 2010 07:18:42 +0000</pubDate>
		<guid isPermaLink="false">http://www.bargaineering.com/articles/?p=4606#comment-335859</guid>
		<description>None of my family or friends have had any problem cancelling their accounts.  AOL makes it difficult to cancel, FCR.com just tries to keep you by telling you what you have.  If you tell them no, then they cancel it.  I just wish all of my family and friends would listen to me when I tell them it&#039;s a great program.</description>
		<content:encoded><![CDATA[<p>None of my family or friends have had any problem cancelling their accounts.  AOL makes it difficult to cancel, FCR.com just tries to keep you by telling you what you have.  If you tell them no, then they cancel it.  I just wish all of my family and friends would listen to me when I tell them it&#8217;s a great program.</p>
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		<title>By: Johanna</title>
		<link>http://www.bargaineering.com/articles/is-freecreditreport-com-a-scam.html/comment-page-1#comment-335785</link>
		<dc:creator>Johanna</dc:creator>
		<pubDate>Sun, 17 Jan 2010 20:39:46 +0000</pubDate>
		<guid isPermaLink="false">http://www.bargaineering.com/articles/?p=4606#comment-335785</guid>
		<description>I just wanted the 1 month membership and decided not to call after the 1 week trial, as of now, it is 1 week, not 9 days like some of you are saying. I just noticed my credit card being billed 99.95$ for the annual membership, so for the ones that said this is not a SCAM, I have a clear example that THIS IS A REAL SCAM! I called them just now, today is day 9 after I signed up, and they said, sorry but we cant give you a refund, I read all out to the rep that the website clearly says that after 1 week you would be charged a monthly membership not a year one! I was so furios I could not believe they really were trying to steal my money! I asked to speak to a supervisor and after going over the situation with him again, he said, fine we will refund you the 99.95$. I would never ever use their services again!</description>
		<content:encoded><![CDATA[<p>I just wanted the 1 month membership and decided not to call after the 1 week trial, as of now, it is 1 week, not 9 days like some of you are saying. I just noticed my credit card being billed 99.95$ for the annual membership, so for the ones that said this is not a SCAM, I have a clear example that THIS IS A REAL SCAM! I called them just now, today is day 9 after I signed up, and they said, sorry but we cant give you a refund, I read all out to the rep that the website clearly says that after 1 week you would be charged a monthly membership not a year one! I was so furios I could not believe they really were trying to steal my money! I asked to speak to a supervisor and after going over the situation with him again, he said, fine we will refund you the 99.95$. I would never ever use their services again!</p>
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		<title>By: Matticus</title>
		<link>http://www.bargaineering.com/articles/is-freecreditreport-com-a-scam.html/comment-page-1#comment-332587</link>
		<dc:creator>Matticus</dc:creator>
		<pubDate>Fri, 04 Dec 2009 20:34:26 +0000</pubDate>
		<guid isPermaLink="false">http://www.bargaineering.com/articles/?p=4606#comment-332587</guid>
		<description>Neither of those things is a scam. Not being customer friendly =/= a scam. The terms and conditions are there for anyone to read, as is the sign in your hypothetical. Nobody is foolish for saying the website isn&#039;t a scam. It isn&#039;t.</description>
		<content:encoded><![CDATA[<p>Neither of those things is a scam. Not being customer friendly =/= a scam. The terms and conditions are there for anyone to read, as is the sign in your hypothetical. Nobody is foolish for saying the website isn&#8217;t a scam. It isn&#8217;t.</p>
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		<title>By: FreeisaScam</title>
		<link>http://www.bargaineering.com/articles/is-freecreditreport-com-a-scam.html/comment-page-1#comment-329546</link>
		<dc:creator>FreeisaScam</dc:creator>
		<pubDate>Wed, 21 Oct 2009 16:18:28 +0000</pubDate>
		<guid isPermaLink="false">http://www.bargaineering.com/articles/?p=4606#comment-329546</guid>
		<description>Free Credit Report isn&#039;t free, the 7 day cancellation period isn&#039;t clear and you can&#039;t complain. They say they &quot;hold the highest  ethical standards&quot; but make sure they keep your money. Never use Free Credit Report, its not a company, it&#039;s an operation.</description>
		<content:encoded><![CDATA[<p>Free Credit Report isn&#8217;t free, the 7 day cancellation period isn&#8217;t clear and you can&#8217;t complain. They say they &#8220;hold the highest  ethical standards&#8221; but make sure they keep your money. Never use Free Credit Report, its not a company, it&#8217;s an operation.</p>
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		<title>By: they'regreedypigs</title>
		<link>http://www.bargaineering.com/articles/is-freecreditreport-com-a-scam.html/comment-page-1#comment-326703</link>
		<dc:creator>they'regreedypigs</dc:creator>
		<pubDate>Mon, 31 Aug 2009 18:06:44 +0000</pubDate>
		<guid isPermaLink="false">http://www.bargaineering.com/articles/?p=4606#comment-326703</guid>
		<description>THE TRIAL PERIOD IS ONLY SEVEN DAYS!!

 A lot of people think it&#039;s 30 days free trial period, when it&#039;s actually only a week. Because of this misnomer, a lot of people are still being charged without their knowing a week after they sign up for their &quot;free credit report.&quot; 

If there is a class action lawsuit going on again, I would like to get more information.</description>
		<content:encoded><![CDATA[<p>THE TRIAL PERIOD IS ONLY SEVEN DAYS!!</p>
<p> A lot of people think it&#8217;s 30 days free trial period, when it&#8217;s actually only a week. Because of this misnomer, a lot of people are still being charged without their knowing a week after they sign up for their &#8220;free credit report.&#8221; </p>
<p>If there is a class action lawsuit going on again, I would like to get more information.</p>
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		<title>By: U Bunch Of Fools</title>
		<link>http://www.bargaineering.com/articles/is-freecreditreport-com-a-scam.html/comment-page-1#comment-319065</link>
		<dc:creator>U Bunch Of Fools</dc:creator>
		<pubDate>Thu, 30 Jul 2009 03:57:52 +0000</pubDate>
		<guid isPermaLink="false">http://www.bargaineering.com/articles/?p=4606#comment-319065</guid>
		<description>Appeal to the lowest common denominator.  No wonder this country is in so much hardship.</description>
		<content:encoded><![CDATA[<p>Appeal to the lowest common denominator.  No wonder this country is in so much hardship.</p>
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		<title>By: U Bunch Of Fools</title>
		<link>http://www.bargaineering.com/articles/is-freecreditreport-com-a-scam.html/comment-page-1#comment-319064</link>
		<dc:creator>U Bunch Of Fools</dc:creator>
		<pubDate>Thu, 30 Jul 2009 03:55:36 +0000</pubDate>
		<guid isPermaLink="false">http://www.bargaineering.com/articles/?p=4606#comment-319064</guid>
		<description>Then call it trialcreditreport.com

Do you see see people selling milk in a bar only to offer alcohol if you sign up for a trial?

Deliberate misdirection is not good customer satisfaction.  Thats like yelling at a customer because they show up to your store 5 minutes before opening.  &quot;Stupid customers.  The should read the sign.  And they blame me for being vain and snooty at them&quot;.</description>
		<content:encoded><![CDATA[<p>Then call it trialcreditreport.com</p>
<p>Do you see see people selling milk in a bar only to offer alcohol if you sign up for a trial?</p>
<p>Deliberate misdirection is not good customer satisfaction.  Thats like yelling at a customer because they show up to your store 5 minutes before opening.  &#8220;Stupid customers.  The should read the sign.  And they blame me for being vain and snooty at them&#8221;.</p>
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		<title>By: Damon Day</title>
		<link>http://www.bargaineering.com/articles/is-freecreditreport-com-a-scam.html/comment-page-1#comment-318575</link>
		<dc:creator>Damon Day</dc:creator>
		<pubDate>Tue, 28 Jul 2009 20:53:53 +0000</pubDate>
		<guid isPermaLink="false">http://www.bargaineering.com/articles/?p=4606#comment-318575</guid>
		<description>Their commercials are so effective that Annualcreditreport.com has recently started running commercials of their own featuring some dude playing a guitar.  If you can&#039;t beat em, join em huh :-)</description>
		<content:encoded><![CDATA[<p>Their commercials are so effective that Annualcreditreport.com has recently started running commercials of their own featuring some dude playing a guitar.  If you can&#8217;t beat em, join em huh <img src='http://www.bargaineering.com/articles/wp-includes/images/smilies/icon_smile.gif' alt=':-)' class='wp-smiley' /> </p>
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		<title>By: anonymous</title>
		<link>http://www.bargaineering.com/articles/is-freecreditreport-com-a-scam.html/comment-page-1#comment-318492</link>
		<dc:creator>anonymous</dc:creator>
		<pubDate>Tue, 28 Jul 2009 14:58:21 +0000</pubDate>
		<guid isPermaLink="false">http://www.bargaineering.com/articles/?p=4606#comment-318492</guid>
		<description>The domain name may be a little deceptive, but that&#039;s great marketing. It grabs people&#039;s attention and makes them curious about the service being offered:)</description>
		<content:encoded><![CDATA[<p>The domain name may be a little deceptive, but that&#8217;s great marketing. It grabs people&#8217;s attention and makes them curious about the service being offered:)</p>
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		<title>By: eric</title>
		<link>http://www.bargaineering.com/articles/is-freecreditreport-com-a-scam.html/comment-page-1#comment-317691</link>
		<dc:creator>eric</dc:creator>
		<pubDate>Sun, 26 Jul 2009 04:00:32 +0000</pubDate>
		<guid isPermaLink="false">http://www.bargaineering.com/articles/?p=4606#comment-317691</guid>
		<description>the domain name sucks but at least you&#039;re told upfront. still, i would call it shady.</description>
		<content:encoded><![CDATA[<p>the domain name sucks but at least you&#8217;re told upfront. still, i would call it shady.</p>
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		<title>By: tyler</title>
		<link>http://www.bargaineering.com/articles/is-freecreditreport-com-a-scam.html/comment-page-1#comment-317679</link>
		<dc:creator>tyler</dc:creator>
		<pubDate>Sun, 26 Jul 2009 02:02:16 +0000</pubDate>
		<guid isPermaLink="false">http://www.bargaineering.com/articles/?p=4606#comment-317679</guid>
		<description>Those commercials are catchy I kinda like them</description>
		<content:encoded><![CDATA[<p>Those commercials are catchy I kinda like them</p>
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