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Friday, March 2, 2012

Free Credit Reports are a Pain in the Ass!

Why is it such a pain in the ass to get a look at one's own credit report?

Sites that offer free credit reports often have a fine print that says you'll be charged in a month if you don't cancel right away, but for your convenience, they'll monitor your credit and alert you when something happens. Yeah, that's nice and all, but I just wanna know where I stand right now!

Honest, who is looking at their credit reports the most? The people with bad credit who are trying to fix it, and the people who are providing these reports are making it more difficult for that to happen!

"Hey Bill, what's the best way to make money with this credit report site of ours?"

"Well... I was thinking, the folks coming to find out about their reports are probably trying to fix it for some reason or another, so they must be pretty bad with money. Let's screw them over as best we can, they're clearly an easy target."

All I want to do is find out how I'm doing, but I have to jump through all these freakin hoops, some of which I'm not even aware of! You can easily sign up for free online, and you HAVE to provide a credit card, but to cancel you have to call them, tell them why you're canceling, verify all your information, and EVEN STILL you might get charged. This happened to us recently.

"Oh, well when you signed up, you agreed to open TWO accounts, one for the credit report access, and the other for credit monitoring."

I had to tell the guy "That's ridiculous and misleading, and I want this charge reversed."

To which he replied, "I understand completely. I can bring that price down from $15 a month to $7 a month, and you..."

I thought you just said you understood?

I had to talk to his supervisor, who said "I'm sorry sir, we do not offer refunds, but I've canceled further charges. Is there anything else I can do for you today?"

To which I said, "Yeah, you can reverse this charge."

"Ok sir, I can make a one time exception in this case and reverse that charge."

WTF!? Is there a specific number of times you have to ask before they say ok? This person told me it was impossible, only to tell me in the next breath that she'd go ahead and do it!

Perhaps they do understand completely... They just don't care!