24ProtectVia Credit Adapter; 3 In 1 Credit Check Website, 24Protect, Via Credit Adapter 3 In 1 Credit Affiliated With TransUnion Fraud Online Nationwide

In my experience with this company, time was not of the essence.  I am in the process of filing bankruptcy and was advised by my attorney to obtain copies of all three credit reports.  I was advised to go to www.annualcreditreport.com but some how typed the address incorrectly and was linked to another page.  There was a $1.00 for a trial membership and to retrieve a credit report from all three agencies.  I completed the enrollment and submitted my credit card/personal information.  The security question used to verify my identity asked about a mortgage loan.  They wanted me to verifiy the name of the lender and the terms of the loan.  The only problem was, I rent and have never had a mortgage.  I ignored this at first and just selected "none of the above" as my response. 

Another webpage was generated and told me that the information I submitted does not match the information I have on file and I would need to request my credit report in writing.  Since I was not going to be allowed access to my credit information online, I immediatley cancelled my membership by clicking on the "contact us" link and sending my request via email.  I was expecting to immediatley receive a confirmation email stating that my membership had been canceled, but did not receive an email.  My suspicions were raised at that point and I decided to check my bank statement online.  My bank statment showed (3) $1.00 debits.  One charge was from a company named Privacy Matters.  The other two where from 24 Hour Protection and Credit Adapter. 

I've experieced a scam simular to this in the past. That company had like 4-5 different company names and enrolled me in memberships with all of their companies.  I thought it was over when I notified my bank, but because they had my checking account number every month they would electronically submit a payment to each company.  It took months to settle and they were never able to bring charges against the company because they had off shore accounts. Since I have personally experienced a scam like this before, I contacted my banking representative and advised her of the events that transpired and inquired about the best possible solution.  We had to deactivate my credit card and have a new card issued.

I successfully used Credit Adapter (aka TripleCreditScore.com) twice today, obtaining all 3 credit scores and all 3 credit reports for two friends of mine.  I signed up twice, obtained the info advertised, and cancelled both accounts all within an hour, promptly receiving e-mail confirmations of my account cancellations.  I think you just have to pay very close attention to all the details and then beat these types of people at their own game -- getting what you want without paying for it.  Cancelling the same day before you have a chance to forget about it is always a good idea.

I never even had to talk to a human.  I called the phone numbers provided at the time I signed up (one for Credit Adapter and one for 24Protect) and was able to cancel my accounts by simply keying in my account IDs and Zip Code.