I'm thinking of a number . . . and it isn't my credit score. The number is $12.95 and it is the amount that your credit card will be charged every month for signing up for your free credit report at freecreditreport. com.
September 2005 marked the date when Congress ruled that every consumer was entitled to view their credit report annually-free of charge. At the same time one of the three credit agencies, Experian, began its tv advertising campaign at freecreditreport.com. There
is one catch, however, the "free credit report" is only free if you read the very fine print, very carefully. Thousands of people are still being caught in this web of misleading advertising but few, even three years later, know what to do about it.
The freecreditreport.com does have a disclaimer on the front page of its site, but the print is small and camouflaged in light blue on blue background. Likely as you went from your tv to the computer, you wouldn't notice it. If you are fortunate enough to be reading this in the days after you signed up for your free credit report, you have immediate recourse. Phone CIC Triple Advantage and ask to cancel your membership. Of course, you will spend 10-15 minutes at the site looking for a telephone number, but before you give up in frustration call (877) 481-6826.
Even worse is that if you happen to type the URL wrong, you will be taken to a different site that can phish for your social security number, bank account number or credit card number!
Now, your recourse sounds more simple than it is in reality. If you phone to cancel before the first 30 days of your free membership is up, it is likely that you will encounter opposition. You will have to sit and listen to a sales pitch about why you should keep the membership. The operator/ customer service rep may tell you that the computers are down right now and that your membership can't be cancelled at this time. Or, you may be treated with disdain and lectured for your request.
September 2005 marked the date when Congress ruled that every consumer was entitled to view their credit report annually-free of charge. At the same time one of the three credit agencies, Experian, began its tv advertising campaign at freecreditreport.com. There
The freecreditreport.com does have a disclaimer on the front page of its site, but the print is small and camouflaged in light blue on blue background. Likely as you went from your tv to the computer, you wouldn't notice it. If you are fortunate enough to be reading this in the days after you signed up for your free credit report, you have immediate recourse. Phone CIC Triple Advantage and ask to cancel your membership. Of course, you will spend 10-15 minutes at the site looking for a telephone number, but before you give up in frustration call (877) 481-6826.
Even worse is that if you happen to type the URL wrong, you will be taken to a different site that can phish for your social security number, bank account number or credit card number!
Now, your recourse sounds more simple than it is in reality. If you phone to cancel before the first 30 days of your free membership is up, it is likely that you will encounter opposition. You will have to sit and listen to a sales pitch about why you should keep the membership. The operator/ customer service rep may tell you that the computers are down right now and that your membership can't be cancelled at this time. Or, you may be treated with disdain and lectured for your request.
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