• Report: #15334

Complaint Review: Freecreditreport.com

  • Submitted: Wed, February 27, 2002
  • Updated: Tue, March 16, 2010

  • Reported By:phoenix Arizona
444 Oxford Valley Rd Langhorne, Pennsylvania U.S.A.

Freecreditreport.com is a Rip-OFF. selling you credit reports that have fabricated fake scores

*Consumer Comment: It's telling...

*Consumer Comment: Capitalist Psyops

*Consumer Comment: Wow...

*Consumer Suggestion: Get a clue

*Consumer Comment: Corporate America at it's best

*UPDATE Employee: take some responsibilty!!!

*Consumer Comment: Ah, yes America .... these are in individuals we give our most precious information to ...

*UPDATE Employee: more and more idiots!!! you all make me laugh and all of us in the call center laugh at you too!!

*Consumer Suggestion: Not even free....

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Freecreditreport.com is a Rip-Off

If you are thinking of going to Freecreditreport.com, Understand that they are not going to tell you or show you your "Fair Isaac Score. Car dealers, Mortgage brokers that help consumers get home loans will want to see your Fair Isaac Score before they decide what kind of interest they will sock you with.

To understand how good your credit really is, you need to see your "Fair Isaac Score" Most car dealers do not want you to see it because if you know that your score is a good one, you will want a lower interest rate on the loan.

This crapy web site known as Freecreditreport.com in my eyes is a SCAM. All they want to do is make you feel that they are doing something good for you. All they are really doing is getting you to pay them for a credit report that will do you NO GOOD.

In their disclamer on their web site they tell you that you do not get to see your FICO or bettter known as your Fair Isaac Score.

CreditXpertTM is not connected in any way with Fair, Isaac and Company; the CreditXpert Credit ScoreTM is not a so-called FICO score.

Administrative Contact:
iPlace, Inc
Mark Serfass
444 Oxford Valley Road
Langhorne, PA 19047
Phone: 267-580-3174
Email: WebAdmin@iPlace.com

I say what a SCAM and a Rip Off. Never give your credit info to Anybody over the internet. You have no Idea what they will do with it. maybe sell it to god knows Who

Click here to read other Rip Off Reports on Creditreport.com

This report was posted on Ripoff Report on 02/27/2002 12:00 AM and is a permanent record located here: http://www.ripoffreport.com/r/Freecreditreportcom/Langhorne-Pennsylvania-19047/Freecreditreportcom-is-a-Rip-OFF-selling-you-credit-reports-that-have-fabricated-fake-sc-15334. 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.

Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.

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#1 Consumer Comment

It's telling...

AUTHOR: goldilockz - (United States of America)

It is quite telling that not one but two employees of this company have commented calling the consumers "idiots" and "crybabies" instead of offering constructive advice. I was also given the run around by freecreditreport.com and it took me 13 months to get my "service" canceled. That was after it took 6 months to figure out what CIC Triple Advantage even was because as a previous poster mentioned, the print is VERY fine print when you inadvertently sign up.

Shame on freecreditreport.com for being unprofessional and shame on its employees for defending the company when the consumer is so clearly disgruntled. If you want happy customers, change your shady business practices.
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#2 Consumer Comment

Capitalist Psyops

AUTHOR: T. C. - (U.S.A.)

There is a reason why marketing firms, advertising agencies, and other Big Business types spend millions a year employing and contracting psychologists. Unfortunately, Freecreditreport.com appears to be doing what a lot of businesses do, a profit tactic I like to call, Sign it and forget it.

Any business that asks for credit card numbers prior to dishing out free or other information is practicing Sign it and Forget it. It is the hope of these companies that you will sign or verbally commit to an agreement, and then forget that you did so. Take care to notice that charges do not typically appear for thirty days or more. Thirty days of soccer practice, work schedules, and social commitments is a very long time to remember that you got a free credit report a few weeks back. Keep in mind that a lot of people pay bills without carefully inspecting the charges, or don't even look at them at all. Hey, who has the time to go over every line of a tedious and confusing bill? is the motto of such insidious methods. Obviously, this method works. Those who complain might be compensated, but the companies can generally write them off as a small percentage as compared to those who pay them. Really, what can Freecreditreport.com offer me at seventy-three dollars a year? I can't imagine many people wanting to pay that amount for a seemingly meager services. This thought has apparently crossed their mind too

Sign it and forget it also feeds upon the ignorance of the consumer. By law, credit-reporting agencies are to provide one free report a year, upon request. I don't know if these reports are of the FICO type, but your first report is absolutely free, with no credit-card-number-first or other such rubbish. I can't confirm this, but perhaps Freecreditreport.com is ordering your free report for you (with your permission), and later charging you ye'ole middleman fee if you forget about the service?Hmmmm.....
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#3 Consumer Comment


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

I was curious about freecreditreport.com after seeing the advertisements for it on TV and did notice that it's free as long as you cancel within the 30 day trial period. But after reading your browbeating of customers Anthony -- and how pervasive this practice is within this company -- I think that I will be taking my business elsewhere the next time I want a credit report. I will also make sure to tell my family and friends the same thing. Also, Anthony, when you get your website started up, please come back here and post what the address is because I will make sure to avoid it as well.

I have to agree with Brandon's post above. The Kozloski and Lay schools of American capitalism and corporate practices are so old and tired and have done nothing but help put this country's economy right where it is now. You can make all that money but you can't take it with you when you go to jail; unless you happen to have connections to the Bush and Cheney families, but I'm not even going to get into that. When is corporate America going to realize that if you provide a great product or service at a reasonable price and back it up with excellent customer service -- just as they say with the better mousetrap idea -- people will be beating a path to your door. You will be so busy making money hand over fist that you won't have to worry about following some of the nonsense that passes for scholarship in business school these days.
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#4 Consumer Suggestion

Get a clue

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

I, nor my girlfriend saw the fine, fine print at the bottom of the page. Its always wise to read the fine print but when charging customers money its important as a business to treat them with respect and let them know what charges might show up on their bank/credit card statement. You nearly caused a check to bounce had I not seen it and asked for a refund. My girlfriend nearly had hers charged as well.

You see, the way you act here does nothing but more harm for your company, you'll be losing your job soon due to layoffs and/or business failure. Because its not just these other guys that will be spreading the word about your site warning not to use it, it will be me, and my girlfriend as well. I'll be intentionally posting this on message boards and telling my family who will tell all their friends as well.

You can't say you'll charge me something if I dont call and cancel, thats bad business, whether the customer is "stupid" for not reading the fine print or not.
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#5 Consumer Comment

Corporate America at it's best

AUTHOR: Brandon - ()

Anthony seems to not be concerned with the company he works for, and, like most of "Corporate America", is only concerned with making a buck. Take this advice Anthony: GROW UP! There is more to a business than making fun of clients, who by the way, keep you in business. IF you piss off one person, they in turn tell ten friends who in turn tell ten more friends and so on and so forth. So you see Anthony, eventually you will be the one who is being laughed at by either a Federal Grand Jury when your company is being indicted on consumer fraud charges or by the bankruptcy judge when you tell him that you have no more clients to screw over and you can't afford to stay in business. It will happen; look at MCI!
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#6 UPDATE Employee

take some responsibilty!!!

AUTHOR: anthony - ()

this is what it boils down to! no-one reads the website yet they sign up for it! then they want to blame everyone but themselves when they get charged. our entire society is full of cry-babies who refuse to take responsibilty for their own actions.


I mean if i were buying a house and i failed to read the mortgatge agreement and then i came crying to my realator 2 months later saying that my payments were too high-- who's fault is it??? if we were to belive most people, the blame would fall on our company and not on anyone else.

but it really belongs to the person who signs up! 8 months ago i actualy used the website my-self to get my own credit report. and this is before i worked for the comapny. i read the entire agreement and canceled when i was supposed to. i never got charged and i got my credit report just like i ordered. so spare me all of your excuses people and buck up and take some responsibility for your actions!!


ps-- i have two more months left before i graduate from devry. and i have already made peliminary arrangements with trans-union to offer free credit reports on my own web-site marketing program. our comapny just sold for $130 million and you can bet that in 2-3 years stupid people will be calling into my company to complain. the thing to remember is that my company wont be offering refunds!!
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#7 Consumer Comment

Ah, yes America .... these are in individuals we give our most precious information to ...

AUTHOR: Michele - ()

Ah, yes America .... these are in individuals we give our most precious information to ..... The breakroom twits of our nation today - freecreditreport.com's dancing monkeys. Scarey isn't it?
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#8 UPDATE Employee

more and more idiots!!! you all make me laugh and all of us in the call center laugh at you too!!

AUTHOR: anthony - ()

i work for consumerinfo.com better known as freecreditreport.com. first of all, read the frigging website!!!! stop calling up and saying that we ripped you off for your $79.99. you did'nt cancel within the 30 days as plainly listed on the website that you agreed to when you signed up.

most idiots dont read the agreement and then call up wanting to blame us for something that they failed to do on their own. i can assure you that all of us in the call center hate each and every one of you that call up and act like we did something wrong.

we put you on hold to make fun of you, and when you ask really dumb questions or make really stupid comments, we write them down and post them in the breakroom so that we can all have a good laugh!!. and the really funny thing is , that no matter how many threats and complaints we get, we're still in business and still laughing at all of you!! you friggin' idiots!!!!!!!!
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#9 Consumer Suggestion

Not even free....

AUTHOR: Kata - ()

And not even free. Only the first month as "trial period" is free IF you give them your credit card number and sign up for a membership.

If any of you ever tried to cancell any membership, you must know how hard can it be.

Quote from the service agreement:

You may cancel at any time during the free membership period. If you wish to continue your membership in the CreditCheck Monitoring Service, do nothing--your membership will continue without interruption. The annual $79.95 fee will be charged to your credit card account and your membership will continue automatically, billable annually at the prevailing rate. Even after the free trial, our service comes with a six-month money-back guarantee*: if for any reason you are dissatisfied, you can cancel and receive a pro-rated refund of the current year's membership fee.
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