Free Credit Reports are a Pain in the Ass!

Why is it such a pain in the ass to get a look at one’s own credit report?

Sites that offer free credit reports often have a fine print that says you’ll be charged in a month if you don’t cancel right away, but for your convenience, they’ll monitor your credit and alert you when something happens. Yeah, that’s nice and all, but I just wanna know where I stand right now!

Honest, who is looking at their credit reports the most? The people with bad credit who are trying to fix it, and the people who are providing these reports are making it more difficult for that to happen!

“Hey Bill, what’s the best way to make money with this credit report site of ours?”

“Well… I was thinking, the folks coming to find out about their reports are probably trying to fix it for some reason or another, so they must be pretty bad with money. Let’s screw them over as best we can, they’re clearly an easy target.”

All I want to do is find out how I’m doing, but I have to jump through all these freakin hoops, some of which I’m not even aware of! You can easily sign up for free online, and you HAVE to provide a credit card, but to cancel you have to call them, tell them why you’re canceling, verify all your information, and EVEN STILL you might get charged. This happened to us recently.

“Oh, well when you signed up, you agreed to open TWO accounts, one for the credit report access, and the other for credit monitoring.”

I had to tell the guy “That’s ridiculous and misleading, and I want this charge reversed.”

To which he replied, “I understand completely. I can bring that price down from $15 a month to $7 a month, and you…”

I thought you just said you understood?

I had to talk to his supervisor, who said “I’m sorry sir, we do not offer refunds, but I’ve canceled further charges. Is there anything else I can do for you today?”

To which I said, “Yeah, you can reverse this charge.”

“Ok sir, I can make a one time exception in this case and reverse that charge.”

WTF!? Is there a specific number of times you have to ask before they say ok? This person told me it was impossible, only to tell me in the next breath that she’d go ahead and do it!

Perhaps they do understand completely… They just don’t care!


6 thoughts on “Free Credit Reports are a Pain in the Ass!

  1. You know what, if you need to get a copy of your credit report, the best way to do it is to talk to a mortgage broker, if you know one. They get them all the time.

  2. There’s a catch to having somebody else make the inquiry. That’s because it then appears you’re applying for more credit and the reporting agencies will lower your score. However, you can write to the big three agencies once each year and they have to give you a free copy of your report.

  3. DEDOONV…we have it..and we have it in more than a thousand blogs.And they have all the CHINESE DRAGON BALLS along with SOUTH AFRICAN ROSSYWARS!And now , they have SYRIA.And when they got SYRIA,the GATES opened up and out fell TELEANGE and PTY LTD.And when that happened , BRATEOPH BRATERS appeared with TERSTIM.ORFLAST to FLAKSTE .DEDOONV is DEDST.

  4. Here in the USA, we’re all entitled to one free credit report per year.However, if you went to, you are going to get charged for your free credit report.If you go to, there are many options of what you want to pay for.According to the Federal Trade Commission’s site, is the one and only place you can go to gain access to the free annual report to which you’re entitled. However, you won’t get those darned elusive credit SCORES. Still, the report is worth getting.

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