Lori H.

Beware of this "FREE" service - This website intentionally misleads you to believe that you will receive your credit report for free. It asks for a credit card, to identify you, and states "your credit card WILL NOT be charged". Two weeks later, I was charged $29.95. When I called, they stated that after 7 days I will be charged $29.95 every month... when all I responded to was the offer for ONE free credit report.

They said the charges are outlined in their Terms & Conditions, which I never agreed to. The website does not make it clear that you are signing on for anything more than one report, that is delivered immediately. It does not require you to agree to, or even read any T's & C's, so unless you can find, and read a detailed document under an obscure tab, would you ever know that their FREE offer is a hoax.

In addition, I received a "thank you" email from them, thanking me for using their service. That email did not state anything about a trial period or indicate that my card would be charged at some future date, either. When I called customer service - they said "tough luck". I asked to speak to a supervisor - but they refused. And, there is no way to contact them thru their website - only via telephone, where their customer service is trained to TAKE money from unwitting customers.

Unless you need a service to access MANY credit reports for many different people, every single month, this is not for you! They present it as something an individual can use, check once, and then they sign you up for the monthly fee to be charged for all future months, even if you do not use the service after the first day.
STEER CLEAR OF THIS SCAM!