Report: #974618

Complaint Review: Credit Check Total - Experian

  • Submitted: Tue, November 27, 2012
  • Updated: Wed, November 28, 2012
  • Reported By: Consumer Crusader — Irvine California United States of America
  • Credit Check Total - Experian

    United States of America

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Experian continually tries to rip you off. I would rate them with a ZERO out of TEN! I originally signed up for $11.47 per month in 2008. On 01/24/11 they raised the monthly fee period without notifying me to $18.47. That is only $7.00, right? Wrong! It is a 61% increase! I had to call in to resolve it and it took multiple times as they did not follow up. I suspect they deliberately failed to credit my account for the bogus overcharges, and drop the monthly fee back to the original $11.47,hoping that that the Consumer / Customer will be is stupid & / or lazy and not follow up. It took multiple calls but I finally got my account credited and the charge reduced to the original $11.47. Today I noticed my monthly fee went up again from $11.47 to $29.95,
again without prior notification.

 So lets review: They raised my monthly fee by $18.48 or by 261%! More than double! I called in again and the Service Rep
gave me some B.S. about the Promotional Rate expiring. Sure it did! I was never informed at the original signup or by email thats the original rate of $11.47 was promotional rate only. I was never told during my prior complaint calls that there was a Promotional Rate. I told the Rep to cancel ASAP and give me a full refund. What did she say? She offered to give ma partial credit. WTF! I told her I would spend hours on this talking to as many people as possible and file a complaint with the FTC. She relented and agreed to give me a full refund. Now I will have to follow through to verify that they do what the promised.
Experian does business as Credit Check Total but they may have other web sites. Finally, they offer you credit check scores for all 3 credit reporting agencies, but upon closer examination these are just estimates
that they call Plus Scores. I just did a Refinance and I received a copy of all 3 ACTUAL scores which were much higher then what Experian provides under their site. So Experian promises actual credit scores but actually gives you B.S. Credit Score info which is unreliable. This is a SCAM Company!

This report was posted on Ripoff Report on 11/27/2012 04:39 PM and is a permanent record located here: 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. READ: Foreign websites steal our content

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#1 Author of original report

Misleading & Deceptive - Experian

AUTHOR: Consumer Crusader - (United States of America)

For what it's worth I take no pleasure in writing these reports. My experience with Experian is that they 1) Repeatedly attempt to
significantly increase the monthly rate without any notification, 2)  They do not easily rectify the mistake when confronted as multiple calls were required to get the proper credit when one phone call should have been sufficient, 3) When confronted again with yet another unannounced increase, that more than doubled the fee, they tried to give me a partial credit, 4) The credit score they provide is not a accurate credit score but only their proprietary "Plus Score" which reflects an estimate only. Experian will NOT even provide their own actual Credit Score that they report to creditors / lender . For example,  Experian reported much higher scores
score to two different Mortgage Lenders for my recent refinance loan than they reported to me on Here is the fine print on Experian's "Plus Score: "The PLUS Score, with scores ranging from 330 to 830, is a user-friendly credit score model developed by Experian to help you see and understand how lenders view your credit worthiness. It is not used by lenders, but it is indicative of your overall credit risk. Higher scores represent a greater likelihood that youll pay back your debts so you are viewed as being a lower credit risk to lenders. A lower score indicates to lenders that you may be a higher credit risk." Source: PageTypeID=TermsConditions&SiteVersionID=693&SiteID=100244&Status=I&sc=668032&bcd=&areaid=0&pkgid=DWZ1Y&custnum=101195634

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#2 Consumer Comment


AUTHOR: coast - (USA)

You're correct; CreditCheck Total is division of Experian. The difference in pricing appears to be related as to what info they provide on a monthly basis. The $29.95/month offer is for credit reports and credit scores on a monthly basis (from all three agencies). They have another offer at $14.95/month that provides monthly credit info but only one credit score (theirs). Something is unclear about their pricing because they have the same offer for $17.95/month on the same web site.

Shop around for a better deal.
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#3 Author of original report

You are only Half -Right / Still a Rip-off!

AUTHOR: Consumer Crusader - (United States of America)

Yes you caught my math error. Good job. The increase is 161% or the new price is 261% of the original price. I was in a hurry. But you are DEAD WRONG on ownership: "CreditCheck Total is part of a family of online consumer credit reporting sites belonging to, Inc., an Experian company" per
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#4 Consumer Comment

Don't blame Experian

AUTHOR: coast - (USA)

"They raised my monthly fee by $18.48 or by 261%!"

Incorrect. That's a 161% increase.

Experian isn't charging you. You subcontracted CreditCheck Total. If you go to the Experian web site you can get the same service for $17.95/month. There are other companies that offer the same service [through credit card issuers] at a lower price.
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