The Consumerist created the extra info on this photo
editor@playthismag.com/www.playthismag.com
[youtube=http://www.youtube.com/watch?v=4mvcfO3yVjQ]
Free Credit Report.com not only is using annoyance as a form to capture it’s audiences’ attention (like the $5 foot long Subway commercials) once you sign up the process can be beyond annoying. Play This signed up to Free Credit Report so that we may tell you why you should avoid it all together and other ways to check your credit report 100 percent free (at bottom of article).
Here is the drill for freecreditreport.com:
You put in all of your very private information, such as credit card information, addresses and worst of all social security. You should never provide anyone with your social security, even the president (I take that back if Bush wants it just throw a shoe at him, he doesn’t even know what they are for). Your SS number can allow people to access details about your life that you may not even remember and can register credit cards under your name so try to avoid giving it out if possible.
After your private information is entered it than allows you access to your credit report, shows you any history on your credit report and if there is currently anything on your public records in the form of collection companies and bankruptcies on your accounts. As these songs are mostly geared to the 20-35 year old range, chances are you won’t see much on the credit report. Unless you are terribly in debt the services that this Web site provides will be more or less worthless to you and signing up for it is just a waste of time.
Here comes the fun part, ending the services before your seven day free trail is up.
Cancelling the account:
There of course would be no way to simply opt of of the service through their Web site, a fully online only service. You must call the number listed in their FAQ section or 1(888)829-6560 and wait through a few boring messages. The fun part is when the foreign person answers and her accent is to thick to understand or she can’t understand your English very well.
Now I have no issue understand people and their accents, but it’s as if they find anyone off the streets in India to give them a job. They ask you for your private information once again, SS number and all to prove who you are, than ask what you are needing of them.
Like many places you call, they have canned scripts that they will read to you based on your response to them. When you say I would like to cancel they will give you 20 bull shit reasons why you should keep the service. The best reason was, you still have six of your seven day trial left, you may as well keep it and cancel it later.
After finally getting through all of the bullshit they finally cancel your account only to say, “You will still have six days of this service and than it will automatically close out and not charge you at all.” That’s right one of the ladies BS reasons to keep you on is still provided after you cancel.
Now that you see Freecreditreport.com is a worthless service and will only cost you time and sadly for those who do not read well, money, you can easily avoid it’s use. Below is listed the proper annual report that our government has put in place and is 100 percent free. You can only check it once a year though as it is an annual report. It does not cost very much to check again in needed as well.
How to get your free annual report:
Going to the following Web address, https://www.annualcreditreport.com will provide you with your actual annual free credit report. Signing up with Web sites like freecreditreport.com is worthless, can incidentally cost you money, cause you a major pain in the ass to cancel and you may very well forget you ever signed up costing you even more money.
Your credit is important because: Helps you get a loan, approval for an apartment, home or even vehicle. Some employers check your credit as well for unknown reasons.
So be sure to pay your credit cards off on time and avoid ads to confuse the masses. You do get a free annual credit report from all three credit providers. Freecreditreport.com makes people think they can only access one but this is incorrect.
[youtube=http://www.youtube.com/watch?v=BEEOpLjvak4]
This is how Freecreditreport.com had originally advertised it’s Web site, clearly not very effective. With the help of annoying jingles they were back on top.
