Mighty Net Inc MNI or creditreport.com embeds itself with 3 or 4 other companies and with them, continues to charge your credit card until you find all of them and cancel them. Canoga Park California

This note was sent in response to am e-mail (attached below my note) I received 2/25/09.

Good evening Mr. L,

I wish to thank you and I will take the steps to advise those on my e-mail from last evening by copying them on this note. Additionally I will copy and send to the Ohio legislators I contacted and will update the report I filed on ripoffreport.com.

I will state again that I filled out ONLY ONE request for a credit report, through creditreportamerica.com - I'm unsure why anyone would need to fill out more than one - but I don't think I will persuade you from your view and will not go back in to try again to prove you or anyone else wrong. I've been down that path and will not travel it again.

The part of this entire mess that really gets me, is the fact that those that are purporting to protect consumers, are the ones doing things that seem very underhanded. It makes me feel like I need to begin making copies of every transaction, all the legal verbiage I have to check off and all the small print at the bottom of every page on anything I do on line. I hate that feeling. It really should not be like this, I think that perhaps on this point we may actually agree.

Please pass my sincere thanks to anyone else that may have been an influence in this decision.

Regards,
Christopher A. Schmidt

--- On Wed, 2/25/09, wrote:

From:
Subject: RE: Cancellation Confirmation
To:
Date: Wednesday, February 25, 2009, 5:49 PM
Dear Mr. Smith,

I am in receipt of your email below. I apologize for any inconvenience you may have experienced. If I understand your email correctly, you mentioned that you pulled your free credit report from creditreportamerica.com. Mr. Smith, please be aware that CreditReport.com is in NOT affiliated in any way with creditreportamerica.com nor do we share information with creditreportamerica.com. The only way you would be a customer of CreditReport.com is through a direct enrollment on our web site. You also mention that the charge for $14.95 is embedded in our information. If you refer to our website, www.CreditReport.com, you will see that the terms and conditions of your enrollment are clearly stated in normal font on the left side of our web page to ensure that our customers are completely informed when they visit our web site.

I want you to know that while you apparently disagree, our company in fact bends over backwards in its disclosures to consumers that are only interested in their credit report and not their score or monitoring portion of our service. In both cases - score and report - in our view, it is much more important to provide consumers with information that educates - such as the score - as to what the credit report means in the actual purchase of credit. Our monitoring service keeps track of changes and notifies you of those changes as they occur - warning of any information that might be incorrect or of an impending Identity Theft event.

I'm sorry that you feel Ripped Off despite the fact that our terms are very clearly stated. To support the fact that we are open, honest and driven by integrity, we will be issuing you a refund of the $14.95 charged to your account. Additionally, your account was canceled effective 2/24/09 and no additional charges will be billed to your account.

Mr. Smith, I want to apologize again for any inconvenience you may have experienced. I trust our response to this matter is satisfactory. Please feel free to share our response with any outside agencies you deem necessary.

Sincerely,


Customer Relations Manager

Dear Chris,

I apologize for any inconvenience you may have experienced. If I understand your email correctly, you mentioned that you pulled your free credit report from creditreportamerica.com. Mr. Smith, please be aware that CreditReport.com is in NOT affiliated in any way with creditreportamerica.com nor do we share information with creditreportamerica.com. The only way you would be a customer of CreditReport.com is through a direct enrollment on our web site. You also mention that the charge for $14.95 is embedded in our information. If you refer to our website, www.CreditReport.com, you will see that the terms and conditions of your enrollment are clearly stated in normal font on the left side of our web page to ensure that our customers are completely informed when they visit our web site.

I want you to know that while you apparently disagree, our company in fact bends over backwards in its disclosures to consumers that are only interested in their credit report and not their score or monitoring portion of our service. In both cases - score and report - in our view, it is much more important to provide consumers with information that educates - such as the score - as to what the credit report means in the actual purchase of credit. Our monitoring service keeps track of changes and notifies you of those changes as they occur - warning of any information that might be incorrect or of an impending Identity Theft event.

I'm sorry that you feel Ripped Off despite the fact that our terms are very clearly stated. To support the fact that we are open, honest and driven by integrity, we will be issuing you a refund of the $14.95 charged to your account. Additionally, your account was canceled effective 2/24/09 and no additional charges will be billed to your account.

Mr. Smith, I want to apologize again for any inconvenience you may have experienced. I trust our response to this matter is satisfactory. Please feel free to share our response with any outside agencies you deem necessary.

Mr. Smith, since we have provided information to validate your membership and charges, we ask that you retract your comments as invalid information.

Sincerely,


CreditReport.com