• Report: #1029176

Complaint Review: Creditreport.com

  • Submitted: Tue, December 02, 2008
  • Updated: Thu, January 15, 2009

  • Reported By:Bushkill Pennsylvania
Creditreport.com
creditreport.com Internet U.S.A.

Creditreport.com I looked up myreport and 4 family members reports they are now charging me over $150 a mo. and won't let me cancel Internet

*Consumer Comment: I believe it has been proven...

*Consumer Comment: You still have NOT and CAN'T prove ANY deception.

*Consumer Comment: It's hard to be any clearer.

*Consumer Comment: Failure to read the information provided is not Creditreport.com fault

*Consumer Comment: Failure to read the information provided is not Creditreport.com fault

*Consumer Comment: Failure to read the information provided is not Creditreport.com fault

*Consumer Comment: Failure to read the information provided is not Creditreport.com fault

*Consumer Comment: Like I said...

*Consumer Comment: It's right on the ffront page.

*Consumer Comment: Offer implies something is being given...

*Consumer Suggestion: They tell you on their HOME PAGE.

*Consumer Comment: creditreport.com deceptive language downloaded

*Consumer Comment: It's called automatic Opt In scheme

*UPDATE Employee: If you can read plain and simple english please read this

*UPDATE Employee: CreditReport.com customer service rep speaks freely

*Consumer Comment: Sharon, on the very first page of the website....

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I went on to creditreport.com which stated it was a free credit report. I looked up my credit report and also those for 4 family members who requested them. This was in October, 2008. Since then I have been charged approximately $150.00 per month for credit monitoring.

The monitoring was never mentioned when I was doing the research.

When I phoned to cancel all the reports I was advised I was not permitted to even though I am being charged for all 5.

I am at my wits end. I am a disabled widow on a fixed income and certainly cannot afford $150.00 a month for something I don't use!!


Sharon
Bushkill, Pennsylvania
U.S.A.

This report was posted on Ripoff Report on 12/02/2008 10:52 AM and is a permanent record located here: http://www.ripoffreport.com/r/Creditreportcom/internet/Creditreportcom-I-looked-up-myreport-and-4-family-members-reports-they-are-now-charging-m-1029176. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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#1 Consumer Comment

I believe it has been proven...

AUTHOR: Nancy - (U.S.A.)

The FTC and other consumer groups have been trying for years to get free credit report sites to clean up their wording. I've posted the link to articles and the FTC in other threads. I'm not posting them again. If you guys don't care to read or understand the deception creditreport.com and other free credit sites are perpetrating, that's your business.

I worked for one year as an assistant in an ad agency. Believe me, I know deceptive wording and tactics when I see it. It made me physically ill to see what lengths some businesses would go to make a buck. My boss referred to it as 'The only way to make a buck is to not give a _____.' It perfectly described the attitude. I couldn't take it anymore and quit.

You're right, it's isn't creditreport.com's fault that people don't read. It's the consumer's fault for being lulling into a false sense of complacency in an attempt to get them to bypassing reading something they viewed as an offer.

'Offer' does not mean 'conditions.' It doesn't mean warning, it doesn't mean terms. Offer is defined as: to present for acceptance or rejection. The consumer isn't allowed to rejected the offer; they are automatically signed up for it (against their will) and then has to call and get hassled to in order cancel and even at that, it may not be canceled. I can see why many people think, 'Hey! I didn't sign up for anything.' They honestly think they had the right to reject the offer and do not recall accepting the offer to begin with.

For those of you who feel you have been deceived, if the charges are on a credit card, call and dispute it. Believe me, credit card companies sit up and pay attention when the words deceptive business practices are used. It works! Tell the credit card company about all the complaints, ask them to decline any further charges from creditreport.com and point them to the FTC website. They will find the info they need.

If you charged on a debit card, file a dispute, tell them you feel creditreport.com has used deceptive business practices to charge your account and give the bank the same info about the complaints and the FTC site. Tell them you wish to cancel your card and ask for a new one. Yes, it is inconvenient, but Creditreport.com is bad about not canceling and will continue to charge your account.

This is the future folks. Read every thing and read it three times. If it's supposedly free, don't give your credit card or debit card for any reason because by golly, you'll be accused of not reading by those who are holier than thou and have never been deceived.
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#2 Consumer Comment

You still have NOT and CAN'T prove ANY deception.

AUTHOR: John - (U.S.A.)

Just because you WANT something to be what YOU want it to be, doesn't make it so. One more time:
IT TELLS YOU RIGHT ON THE FRONT PAGE THAT YOU ARE SIGNING UP FOR MONITORING AND THEY ALSO TELL YOU WHERE TO GET THE ABSOLUTELY FREE REPORT.
How much more simple can it be explained?
Your ignorance is astounding. And I am not the only one pointing this out to you. Your failure to read and comprehend is not anyone else's problem.
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#3 Consumer Comment

It's hard to be any clearer.

AUTHOR: Robert - (U.S.A.)

""Like I said, John, it says 'Offer Details' in bold letters. Many people are not interested in any kind of offer and that is why creditreport.com put 'Offer Details' in bold letters. They knew very well that many people will see 'Offer Details' as some kind of offer that they really don't want to begin with (especially if the only thing they looking for is a free credit report) and will not read any further - period, end of story.""

Yes, they state 'Offer Details" in BOLD LETTERS. "Offer Details" implies that there are CONDITIONS for the offer. If someone choses NOT to read the details of the offer on their (or any other website for that matter) website, that is the fault of the person visiting the website.

FYI the additional statements about the "offer details" and the TRUE FREE CREDIT REPORT WEBSITE www.annualcreditreport.com is the result of an FTC lawsuit several YEARS ago when they truly were deceptive. Since their settlement with the FTC, they have had this OUTRIGHT and FORTHCOMING STATEMENT on the HOME PAGE of their websites. The website visitor is then REMINDED AGAIN on the sign up page that they are subscribing, on a trial basis, to a monthly credit monitoring service and that they must cancel within 7 days for the "OFFER" to be free.

It's hard to convince ANYONE that you didn't know you're subscribing to a trial offer that must be cancelled when 2 DIFFERENT WEB PAGES clearly state this. Further, the vistor is equally told ON 2 DIFFERENT WEB PAGES to go to www.annualcreditreport.com for the free credit report entitlement specified by the Fair Credit Reporting Act.

I too am tired of these reports from folks claiming to not know what they were signing up for. Several other reports go so far as to OUT RIGHT LIE about the website by stating that the website makes no mention of a monitoring service.

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#4 Consumer Comment

Failure to read the information provided is not Creditreport.com fault

AUTHOR: Laurie - (U.S.A.)

And no I do not work for them at all.

But I too am tired of seeing these bogus complaints about how everyone was scammed - when in fact they made a CHOICE NOT TO READ the disclosures Including the reference to the REAL free annual credit report where they should have gone in the first place. Not to mention that the TV adds clearly state that free report on these sites require signing up for credit monitoring service. Its on the commercial and ALL OVER their websites.

its the same thing with those membership programs that everyone is whining about. They did authorize the charges - when they purchased something online and chose NOT TO READ the disclosures that come with taking the survey or $$ off your current order. I manage to avoid those charges be being aware of what I am doing and READING THE INFO PROVIDED.
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#5 Consumer Comment

Failure to read the information provided is not Creditreport.com fault

AUTHOR: Laurie - (U.S.A.)

And no I do not work for them at all.

But I too am tired of seeing these bogus complaints about how everyone was scammed - when in fact they made a CHOICE NOT TO READ the disclosures Including the reference to the REAL free annual credit report where they should have gone in the first place. Not to mention that the TV adds clearly state that free report on these sites require signing up for credit monitoring service. Its on the commercial and ALL OVER their websites.

its the same thing with those membership programs that everyone is whining about. They did authorize the charges - when they purchased something online and chose NOT TO READ the disclosures that come with taking the survey or $$ off your current order. I manage to avoid those charges be being aware of what I am doing and READING THE INFO PROVIDED.
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#6 Consumer Comment

Failure to read the information provided is not Creditreport.com fault

AUTHOR: Laurie - (U.S.A.)

And no I do not work for them at all.

But I too am tired of seeing these bogus complaints about how everyone was scammed - when in fact they made a CHOICE NOT TO READ the disclosures Including the reference to the REAL free annual credit report where they should have gone in the first place. Not to mention that the TV adds clearly state that free report on these sites require signing up for credit monitoring service. Its on the commercial and ALL OVER their websites.

its the same thing with those membership programs that everyone is whining about. They did authorize the charges - when they purchased something online and chose NOT TO READ the disclosures that come with taking the survey or $$ off your current order. I manage to avoid those charges be being aware of what I am doing and READING THE INFO PROVIDED.
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#7 Consumer Comment

Failure to read the information provided is not Creditreport.com fault

AUTHOR: Laurie - (U.S.A.)

And no I do not work for them at all.

But I too am tired of seeing these bogus complaints about how everyone was scammed - when in fact they made a CHOICE NOT TO READ the disclosures Including the reference to the REAL free annual credit report where they should have gone in the first place. Not to mention that the TV adds clearly state that free report on these sites require signing up for credit monitoring service. Its on the commercial and ALL OVER their websites.

its the same thing with those membership programs that everyone is whining about. They did authorize the charges - when they purchased something online and chose NOT TO READ the disclosures that come with taking the survey or $$ off your current order. I manage to avoid those charges be being aware of what I am doing and READING THE INFO PROVIDED.
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#8 Consumer Comment

Like I said...

AUTHOR: Nancy - (U.S.A.)

Like I said, John, it says 'Offer Details' in bold letters. Many people are not interested in any kind of offer and that is why creditreport.com put 'Offer Details' in bold letters. They knew very well that many people will see 'Offer Details' as some kind of offer that they really don't want to begin with (especially if the only thing they looking for is a free credit report) and will not read any further - period, end of story.

I conducted a little test. I had my husband and two neighbors take a look at creditreport.com's website as though they were interested in getting their credit report (free or otherwise) and told them, 'Whatever you do, do not order your credit report from this site.' They all looked at the site and thought without doubt that Creditreport.com was offering a Free Credit Report.

When I asked them if they read the 'Offer Details,' they all said no due to the fact that were not interested in any kind of offer. One neighbor said, 'I know what 'Offers' are all about. I could care less about offers these days. It's usually some useless service or product I don't need.' None of them were interested in any offers that were being made by creditreport.com. My neighbors were immediately interested in a free credit report, though.

When I asked my neighbors if they ordered a free credit report from this site, they both said no and wanted to know why I told them not to order. I then asked them to go back and read the 'Offer Details.' Once again, they both told me that they were not interested in any offers, but they did go back and read.

They were p---ed! One said, 'That's not an offer! I should have a choice. Are they forcing people to sign up for credit monitoring just to get their credit report? Well, it's not free then! What the h---!' The other said, 'That's just wrong. I don't care how they word it. So...the credit report isn't free? Does the Attorney General's office know about this?' Funny how he brought up the Attorney General's office, isn't it?

I then told them that it's known as 'automatic opt in,' and it is a deceptive business practice and how unethical businesses use the word 'Offer' instead of Terms of Service knowing customers are not interested in offers and will not read to see what is being offered. I sent them both to ripoffreport to read more about creditreport.com

It seems these days that it's all about deceiving the consumer for the all mighty dollar. It's okay, John. The word is spreading about how deceptive these sites are.
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#9 Consumer Comment

It's right on the ffront page.

AUTHOR: John - (U.S.A.)

In case you still can't read that......
IT TELLS YOU RIGHT ON THE FRONT PAGE THAT YOU ARE SIGNING UP FOR MONITORING AND THEY ALSO TELL YOU WHERE TO GET THE ABSOLUTELY FREE REPORT.
How much more simple can it be explained?
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#10 Consumer Comment

Offer implies something is being given...

AUTHOR: Nancy - (U.S.A.)

If someone offers me something, they are giving it to me and I can refuse it. What creditreport.com is doing is not an offer. It is a forced or automatic Opt In for credit monitoring. It's a backhanded way of making money.

The point is still being missed. They advertise a free credit report and then in their disclaimer word it in such a way with 'Offer Details' to make it look like an offer. Most consumers will never look at offers and those who do, most will not be interested in the offer. Creditreport.com know this and is using it to make money.

Offer: to give, recommend or propose. Implies that something is being given. Not a notice, warning or Terms of Service about being automatically signed up for credit monitoring.

It's still deceptive.
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#11 Consumer Suggestion

They tell you on their HOME PAGE.

AUTHOR: Robert - (U.S.A.)

This is from their homepage at www.creditreport.com

""Offer Details
By ordering your free credit report, you will automatically be enrolled in a 7 day free trial of 3 bureau credit monitoring. You will receive automatic notifications of changes to your credit report at any of the three major credit bureaus by email. For each month that you continue your membership your credit card will be billed $14.95 if you do not cancel your membership within the trial period. You may cancel anytime - there is no obligation.

CreditReport.com is not affiliated with the annual free credit report program. Under a new Federal law, you have the right to receive a free copy of your credit report once every 12 months from each of the three nationwide consumer reporting companies. Under that law, go to www.annualcreditreport.com to request your free annual report.""

Sooner or later, the credit card/debit card companies are going to stop doing charge backs for folks who claim "I didn't know I would be charged..."
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#12 Consumer Comment

creditreport.com deceptive language downloaded

AUTHOR: Jentingh1 - (U.S.A.)

Below is an actual email from creditreport.com that was cut and pasted here. The language in this email acurately reflects the language through out the web site.
No where does this web site disclose that the credit card they are requesting information from will be billed. The credit card information is purportedly requested in order to complete and verify the credit report.

When I attempted to reply to this email it was returned as being undelieverable.

retaining and copying these types of communication will evidence the fraud. Be advised that active threads are in these emails. Your spyware may not allow your home pc to place this email or web page in a file. Go to a public computer, such as a library and open then hard copy these types of correspondence. This is undisputable evidence.
--------------------------------------------------------------------------------

RE: john, come back for your Free credit report from CreditReport.com!?
From: John
Sent: Fri 1/09/09 11:26 AM
To: support@creditreport.com

creditrippoff.com is more like it!


--------------------------------------------------------------------------------
From: support@creditreport.com
To: jentingh1
Date: Fri, 9 Jan 2009 08:19:15 -0800
Subject: john, come back for your Free credit report from CreditReport.com!


john, you were so close to receiving your credit report and score from CreditReport.com!
We want your business! Click here to come back and complete the order process and view your credit report right now. You'll also receive at no additional cost...
Free membership in
Unlimited viewings of your credit report and score for 60 days
Free Financial calculators for home loans, auto loans, debt management and more
Free access to our online dispute center for easy reporting of inaccuracies
Identity Theft mitigation information
And more...



trusted by millions for their credit report needs

You are receiving this one-time email from CreditReport.com as a result of your incomplete order placement. You are not on any CreditReport.com mailing lists and will not receive any further email communications from CreditReport.com unless you are already a CreditReport.com customer or become one in the future.


--------------------------------------------------------------------------------
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#13 Consumer Comment

It's called automatic Opt In scheme

AUTHOR: Nancy - (U.S.A.)

Tony,

Are you going post the very same comment in each person's complaint? BTW, ripoffreport has asked folks to not post in capital letters. It is very hard to read and comes across as yelling.

I am always amazed that people think name calling and verbal abuse are the answer to the problem.

To the good people who have been deceived:

First, Free credit report sites are using a very old ploy of 'automatic Opt In.' It's a scheme that is devised to make money from customers who will not want the service being offered - pure and simple. It is considered a deceptive business practice. An ethical company would allow a customer the option of refusing service or 'Opt Out' and would never automatically sign a consumer up for service.

This very same scheme was used by my bank in the 80s. My bank at that time automatically signed up customers for 3 different clubs - shopping, travel and investment to the tune of $79.95 for each club per month! It was an automatic Opt In and customers had 14 days to cancel. The brochure came with bank statements and most customers threw them away thinking it was just like any other advertising. The bank knew that a majority of their customers would not want the club services, knew the price was prohibitive and knew that customers would not find out that they had been signed up until after the first charge to their checking account. One thousand customers filed complaints with the Attorney General's office and got their money back.

Second, Automatic Opt In is an unethical means of getting business because the company knows that a majority of consumers do not want the service the company is offering. I asked 28 friends and family members if they used credit monitoring. They all said no. I then asked if they would be interest in paying for credit monitoring. Twenty said no. The other 8 said maybe. Not one said yes. Maybe is not yes and it is not no.

I don't use credit monitoring, because I don't feel the need to obsess over my credit and I certainly am not going to let a so-called free credit report site convince me that I need it. And this is why free credit report sites use a backhanded scheme to make money using 'automatic Opt In.' They know most folks will not want their credit monitoring service. To make matters worse, once a consumer finds out what has happened, canceling the service they didn't want to begin with is extremely difficult.

Third, the FTC fined freecreditreport.com in 2005 and consumerinfo.com in 2007 $950,000 each for the same said 'automatic Opt In' schemes in 2005 and 2007. It's been an ongoing battle of wills with the FTC and free credit report sites. The FTC has deemed this scheme as deceptive marketing with a failure to disclose. I have provided links below to the FTC so you can read and be informed. Tell your friends and family too. They need to know.

http://www.ftc.gov/opa/2005/08/consumerinfo.shtm

http://www.ftc.gov/opa/2007/02/cic.shtm
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#14 UPDATE Employee

If you can read plain and simple english please read this

AUTHOR: Tony - (U.S.A.)

It's in black and white that you will be charged and enrolled in a monitoring service. And yes you can cancel. Call and demand. And since the card is in your name for the other people, demand it for them too. This is not a 'bait and switch'. PEOPLE, take some accountability for your actions.

This isn't directly directed toward you Sharon, but for everyone who complains and says negative things about this company because of their sloppy work. I'm blown away by people who call in claiming that CreditReport.com has committed fraud, that they were scammed, that they did not authorize this, that they only wanted a free credit report. I do my best to state the facts about what the website states, why there is a charge on their CC, and the value and importance of the credit monitoring service and yes, I honestly believe in the monitoring service. And NO, I don't believe you deserve a refund. The company paid money to get you that report, and monitoring your credit files cost them money too.

If I could be brutally honest with a customer, I might say something like this:

'Mr/Ms Customer, are you stupid? Why do you think we ask for your credit card? Our website clearly states (all over the place) that you are signing up for a free trail of our monitoring service and in the process will also receive a free credit report. In fact, if you had actually read the fine print that is on EVERY page you must navigate through when signing up, it clearly states that YOU WILL BE BILLED for our credit monitoring service after your free trail ends. Sure, the text is not in large bold underlined print, but you're stupid if you ignored it. And yes, we have been billing you for the last four months. You didn't know this?! Do you read your monthly credit card statements? You don't?! Then you are even more stupid. We also send you an email every two weeks minimum. Do you read your email? Do you ever check your junk email? You don't?! Well, then, you deserve to be charged simply because you're beyond stupid."

I also love it when I get a phone call from a customer and they have their credit card or bank on the line, absolutely confident that I will kowtow and admit we scammed them. Once I state the facts, the cc/bank let's their client know they are responsible for the charges, not CreditReport.com. I'm sure the banker also thinks, Stupid moron".

'So Mr/Ms. Customer, rather than blame CreditReport.com and MNI for scamming you, consider the fact that you are sloppy, and need to do a better job of looking at the terms and conditions", especially if you are entering your CC#. In fact, since you're so sloppy and stupid, you probably need the credit monitoring service you're being charged for. Your stupidity makes you a prime candidate to become a victim of ID theft or fraud.'

Ah, feels good to finally say what I've wanted to for the past month.

I SECOND THIS COMMENT, I AM ALSO A CUSTOMER SERVICE REP AND YOU PEOPLE NEED TO READ WEBSITES MORE CAREFULLY. IT'S NOT STATED IN BOLD LETTERS. HOWEVER IT DOES STATE IN PLAIN AND SIMPLE ENGLISH THAT IF YOU DO NOT CANCEL BEFORE YOUR TRIAL EXPIRES YOU WILL BE BILLED 12.95 A MONTH FOR THIS SERVICE. WHICH ALSO IS NOT FOR THE REPORT BUT FOR THE MONITORING SERVICE, WHICH IT STATES 3+ TIMES THAT YOU WILL BE ENROLLING IN, AND THAT YOUR CREDIT CARD WILL BE BILLED. WISE UP DUMB ASSES, THIS IS NOT FRAUD AND YOUR LAWYER WILL TELL YOU THIS. YOU HAVE NOT BEEN SCAMMED, YOU ARE AN IDIOT! THIS IS YOU NEEDING TO BE MORE RESPONSIBLE WITH YOUR CREDIT OR YOUR DEBIT CARDS. SECONDLY "USING YOUR CHILD SUPPORT CARD" TO ORDER THIS REPORT IS PROBABLY NOT A GOOD IDEA EITHER...BAD PARENT...AND I'M NOT JUST SPEAKING TO YOU SHARON, AND I'M ALSO NOT SAYING YOU USE YOUR CHILD SUPPORT CARD, HOWEVER I DO TALK TO IDIOTS THAT HAVE USED IT FOR THIS PURPOSE. BUT TO EVERYBODY WHO ORDERS THIS FRICKING REPORT. DON'T BLAME THE ECONOMY OR SOMEONE ELSE FOR THAT MATTER FOR YOUR STUPIDITY. IT IS PEOPLE LIKE YOU THAT ORDER THESE THINGS AND EXPECT TO GET A REFUND FOR YOUR MISTAKE. YOU DESERVE THE MONEY YOU LOST BECAUSE YOU ARE A F ING IDIOT AND YOU WERE IN TOO BIG OF A HURRY FOR INSTANT GRATIFICATION.... DIDN'T YOUR MOM EVER TEACH YOU THERE WAS NO SUCH THING AS FREE? AND THAT IF IT IS FREE THERE'S PROBABLY A CATCH SOMEWHERE? IF NOT SORRY ABOUT YOUR LUCK.....BUT I GUESS IT IS PEOPLE LIKE YOU WHO ORDER THIS REPORT AND THINK YOU WERE SCAMMED THAT GIVE ME SOMETHING TO DO EACH DAY WHILE I'M AT WORK.....SO THANKS FOR GIVING MORE WORK!!!
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#15 UPDATE Employee

CreditReport.com customer service rep speaks freely

AUTHOR: John - (U.S.A.)

Sharon,

It's in black and white that you will be charged and enrolled in a monitoring service. And yes you can cancel. Call and demand. And since the card is in your name for the other people, demand it for them too. This is not a "bait and switch". PEOPLE, take some accountability for your actions.

This isn't directly directed toward you Sharon, but for everyone who complains and says negative things about this company because of their sloppy work. I'm blown away by people who call in claiming that CreditReport.com has committed fraud, that they were scammed, that they did not authorize this, that they only wanted a free credit report. I do my best to state the facts about what the website states, why there is a charge on their CC, and the value and importance of the credit monitoring service and yes, I honestly believe in the monitoring service. And NO, I don't believe you deserve a refund. The company paid money to get you that report, and monitoring your credit files cost them money too.

If I could be brutally honest with a customer, I might say something like this:

"Mr/Ms Customer, are you stupid? Why do you think we ask for your credit card? Our website clearly states (all over the place) that you are signing up for a free trail of our monitoring service and in the process will also receive a free credit report. In fact, if you had actually read the fine print that is on EVERY page you must navigate through when signing up, it clearly states that YOU WILL BE BILLED for our credit monitoring service after your free trail ends. Sure, the text is not in large bold underlined print, but you're stupid if you ignored it. And yes, we have been billing you for the last four months. You didn't know this?! Do you read your monthly credit card statements? You don't?! Then you are even more stupid. We also send you an email every two weeks minimum. Do you read your email? Do you ever check your junk email? You don't?! Well, then, you deserve to be charged simply because you're beyond stupid.

I also love it when I get a phone call from a customer and they have their credit card or bank on the line, absolutely confident that I will kowtow and admit we scammed them. Once I state the facts, the cc/bank let's their client know they are responsible for the charges, not CreditReport.com. I'm sure the banker also thinks, Stupid moron.

"So Mr/Ms. Customer, rather than blame CreditReport.com and MNI for scamming you, consider the fact that you are sloppy, and need to do a better job of looking at the terms and conditions, especially if you are entering your CC#. In fact, since you're so sloppy and stupid, you probably need the credit monitoring service you're being charged for. Your stupidity makes you a prime candidate to become a victim of ID theft or fraud."

Ah, feels good to finally say what I've wanted to for the past month.
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#16 Consumer Comment

Sharon, on the very first page of the website....

AUTHOR: Robert - (U.S.A.)

It says: (left hand side of the page)

By ordering your free credit report, you will automatically be enrolled in a 7 day free trial of credit monitoring. You will receive automatic notifications of changes to your report by email. For each month that you continue your membership your credit card will be billed $12.95 if you do not cancel your membership within the trial period. You may cancel anytime - there is no obligation.


so then, YES, you did order the credit monitoring....

it also says:

CreditReport.com is not affiliated with the annual free credit report program. Under a new Federal law, you have the right to receive free copies of your credit reports from each of the three nationwide consumer credit reporting companies once every 12 months. To request your free annual report under that law, go to www.annualcreditreport.com.

Thats where you get your "free" credit report.
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