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Free Credit Report | How to Weed out Scam Sites

For the majority of adults, the importance of maintaining a good credit history and score is well-understood. How to acquire that information without paying, however, can be difficult. The law states that everyone is entitled to a free annual credit report, but the Internet is filled with companies that claim these reports are free. However, charges for monthly monitoring often follow. The trick, then, is to find the “real” free reports by reading the fine print which will help identify those that are scams or practice deceit.

Many sites now provide one free report limited to only one of the major tracking agencies followed by additional charges for reports from the other reporting agencies along with monthly monitoring. These can be difficult to identify, however, unless care is taken prior to signing up. Although many people call them scams because the actual charges are buried within the verbiage, when charges are listed somewhere in the terms and conditions or on the detail pages contained in a website they are not legally considered scams. The main problem is that people rarely read the fine print before they sign up.

This is still considered deceitful practices because they count on people not reading everything before they file a request. One way to tell if sites are practicing this type of strategy is to take note if they ask for a credit card number along with other personal information. If a credit card is required then you can bet that some charges will be applied at some point. Generally, these are automatically assessed on a monthly basis and are very difficult if not impossible to stop.

When a person agrees to allow automatic deductions from a credit or debit card from any service provider, only the provider can stop the payments. This can be very difficult since many companies today rely on this consistency in monthly income in order to turn a profit. For many people this means cancelling checking, savings, and credit cards accounts in order to ensure the withdrawals stop which can not only be inconvenient, but also frustrating.

Determining the tactics used to draw online users into signing up is one way to identify companies that should be avoided. One tactic many companies in this industry use is visual confusion on their web pages. Since people today have been condition by visual stimuli colors, shapes, pictures, and other strategies are utilized to hide pertinent information so that people sign up before they fully understand the terms and conditions. Additionally, by clicking “I agree” before reading the terms and conditions they may be opening themselves up for long-term monthly charges they had not counted on.

Complaints can be filed against such companies through the Better Business Bureau and other agencies, but in order to do so consumers must prove they acted responsibly and that the information needed to make an informed decision was, in fact, hidden. Saving terms and conditions in a separate file that can be forwarded along with the complaint will serve as the proof required. Therefore, reading this document completely in advance is important.

Although, according many of these sites, cancellation can be made at any time, it’s often more difficult than described. For many sites phone calls with written follow-up is required, but must be made within a set number of days; usually 30. Additionally, even though consumers are told they will be notified by email, this does not always occur so checking monthly credit card statements is important in order to avoid multiple charges. Ultimately, the best way to protect one’s self from fraudulent or deceitful credit reporting company practices is to read the fine print and use caution when authorizing automatic payments.



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20 Responses to Free Credit Report | How to Weed out Scam Sites

  1. Mary says:

    I was directed to this site from a survey from http://www.emiles.com, (which I signed up through my Skymiles account). I was supposed to do a survey at this site for free miles and was directed to a site to sign up for a 7 day trial. Instead it signed me up for a membership and billed my the full rate.

    I canceled immediately, called to confirm and still could not get a full refund. I dealt with the very rude customer service people twice and then insisted on a manager who was even more rude. Now I’m stuck with paying for half of it and worried about info getting released.

  2. William says:

    +15704460330: Claim your $1000 Walmart gift card today! Enter code “IWON” at http://prizesforyou.biz/wm (details apply)

  3. Not happy to recieve a message at 0600am on a work day over some sh** I am a winner and cant even get the prize I won, So dont waste my time telling me when Im in the middle of getting meals ready for hungry people that have to work for a living! Thanks for your time and have a very nice day!

  4. Lou says:

    Got phone text this morning saying same as William’s above, except my code word was “FREE”
    and the phone was 757-739-4292. You then go to website, and it says there are “problems” with site. There are about 3 phone numbers for this, and all the same except some also have the code word “WINN”. They all seem to be in Virginia. Stupid. Don’t know what the fools are gaining by generating this. Caveat emptor. Beware.

  5. I wanted to show my thanks to you for the brilliant articles on your website. Many information sites I have found on this subject are junk or trying to sell me something. Ugh! Im incredibly glad I found your website and really loved your publishing style. Bless you for your hard work.

  6. VICKIEBROEN says:

    WELL IGOT THAT EMAIL IHAVE WON A10OO.DOLLARS TYPEIT IN AND GET YOUR GIFT CARD FULL OF BULL SHIT
    \

  7. Timothy J says:

    KANSAS AREA SCAM PHONE NUMBER ON TEXT MSG. WELL I GOT THAT EMAIL “I HAVE WON A $10OO DOLLARS TYPE ENTRY NUMBER xxxx” INTO AND FILL OUT IDENTITY ETC. TO RECEIVE A BEST BUY GIFT CARD. FULL OF *&^%$ SCAM [WRITTEN] ALL OVER — IDENTITY THEFT !!!!

  8. MARTHA says:

    CALIFORNIA AREA SCAM PHONE ON TEXT MSG I HAVE WON A1000 BESTBUY GIFTCARD MY CODE6655

  9. I received a text claiming I won a 1000 dollar gift . Straigt up bullsh*@!!!

  10. Dixie says:

    I got a text saying I won a $1000.00 shoppping spree at Target. I am really glad I ignored that text.

  11. casserole says:

    Says I am a wallmart winner

  12. charles adamski says:

    I was hit with two unauthorized purchases and woud I would not buy anything thru the internet

  13. Lorraine says:

    I received an SMS to say that ny last months entry had won . I was directed to http//www.samsung.com.au.ppdf.biz with a code number of SIII to claim my prize a FREE Samsung Galaxy S111

  14. tamara says:

    yeah they said i won 100.00 gift card never happened should of listen to mom

  15. Barbara Grant says:

    got call from 9178252895 saying win apple product entered goes to zinga….wtf

  16. jeniffer jenhowong says:

    try to not smart with the evilbusiness! not try to selling your body bone ., 1st no one pay for and digger would ready to barvel whole your fxck families!!!

  17. BillPomare says:

    Just win a iapple yea kiwi kiwk kiwi kiwi

  18. Dave Spiller says:

    Got a msg telling me that last month I had won a $1,000 Best Buy Credit Card. All I had to do was send
    in the winning code: “6655″ number. Ha, Ha…. WHAT A SCAM!!

  19. tommy guerriero says:

    I had a message on my answering machine
    #1 they new I sent out resumes and
    #2 I wanted a second shift job
    …The 1-767 area code who do we notify to
    catch these ass holes trying to cheat the USA

  20. eli strand says:

    It’s unbelievable! This shit came all the way to NORWAY! Ihaf won¬£971.450 GBP. This Message came as a SMS. It’s always from USA such Things are coming.

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