If you plan to check your report online, be wary of impostor sites. Be absolutely certain that you have reached AnnualCreditReport.com.
(And note that this only applies to your credit report, not your credit score.) For more information on FreeCreditReport.com check out: Finally, on a lighter note, a credit 3 Savannah post in the GRS forums pointed to this spoof commercial highlighting the problems with FreeCreditReport.com. This article is about Consumerism, Credit Cards, Tools
Although the guy that sings credit 3 Savannah in them is getting some good play from them, and Im all for that. Not sure if you found this credit 3 Savannah in your research, but heres the real kicker of the whole deal: FreeCreditReport.com is owned by Experian. I credit 3 Savannah wrote about this a while back: http://www.nodebtplan.net/2008/03/31/who-owns-free-credit-reportcom/ You would think a company selling $15/month subscriptions wouldnt be able to afford millions of dollars credit 3 Savannah of radio and TV advertising, and youre right. new free credit report
Im thinking about taking the next stepfreezing my credit.
We have our one credit card that we pay off every month and earns 1% cash back. Good and growing savings, no car loans now or in the future. In short, no need for debt other than the mortgage, which were paying aggressively. Freezing credit would primarily be as a protection against identity theft, but as a loyal reader to this site, I admit that I kind of like its other implications. Does anyone have any thoughts or experience with this? At the time they didnt have the $14.95/month thing as clearly marked as they do now. It took me forever to figure out who CIC*Triple Advantage was.
When I finally did credit 3 Savannah I went to their website and found the cancellation phone number.
Cancelling wasnt too hard, except for the guy trying to sell me more trial offers. credit rating check If you stick to your guns they will cancel and stop charging you.
Other credit monitoring services in the same ilk have a similar policy of challenging anything negative that comes across even credit 3 Savannah if it is accurate.
Honestly, after Ive used my free reports from annualcreditreport.com, Id rather just go to one of the bureaus and pay the fee. Unfortunately, annualcreditreport.com is useless for people like me- Americans who live or are stationed overseas. Ive used for annualcreditreport.com every year for a few years now and appreciate being able to get the reports for free, but the government went half-assed on this they should have required them to give us the credit score too, as the credit score is what really matters. They do apparently give you a free credit report, as offered. Perhaps theyve recently changed their web site, but the front page currently contains this notification which doesnt seem all that deceptive to me: When you order your free report here, you will begin your free trial membership in Triple AdvantageSM Credit Monitoring. If you dont cancel your membership within the 7-day trial period†, you will be billed $14.95 for each month that you continue your credit 3 Savannah membership. get your credit report for free Im not sure how people unknowingly get roped into this. The front page of the site says When you order your free report here, you will begin your free trial membership in Triple Advantage Credit Monitoring. If you dont cancel your membership within the 7-day trial period, you will be billed $14.95 for each month that you credit 3 Savannah continue your membership.
The commercials say Offer applies with enrollment in Trip Advantage. So it seems that people are upset because instead of paying attention to what they were signing up for, they just listened to the guy in the pirate hat sing his funny song.
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