Sorry to dig this thread up but thought I would share an experience with FreeCreditReport.com

My parents got their free credit report about 2 months ago. They filled out the form, received their credit report and went along their merry way. My mom was paying their credit card bill last Friday and noticed a charge for $12.95 from CIC*TripleAdvantage. She didn't know what it was so she asked my dad. I was in the room working on my laptop so I did a quick lookup, seems that that charge is from FreeCreditReport.com.

I called the TripleAdvantage people and got the run around. Spent about an hour on the phone with them demanding they refund my parent's money and cancel their account. After a while they finally canceled the service but were still reluctant to refund the charges, since my mom was on the phone with the credit card company she had them remove the "unauthorized charges".

FreeCreditReport.com does not ask for a credit card number, they simply charge a credit card that shows up in your credit report. Make sure you cancel this service immediately after getting your free credit report or use annualcreditreport.com instead (truly free).

I had the same problem a year ago; however, I got a refund because I never received the credit report in the mail...which I was supposed to. It took me several phonecalls to get the money and I had to speak with a bunch of people that dont speak good English...very aggrivating. My credit card was being charged monthly and I didnt notice it until month 3. There is a better service than freecreditreport.com that I used after that situation and it went fine, but I forget what it was called....very similar though

i used freecreditreport and they asked for a credit card. the service was free for a month and i just called and cancelled.

I just attempted to get a free credit report and was not asked for a credit card.

After speaking with the credit card representatives again yesterday, they confirmed, you do not have to input your credit card information for them to charge you and they do not make it clear that this is not a truly free service on their site.

There has been one lawsuit against this company already and apparently the FTC is getting involved.

My screen does not show that.

However, my dad just tried on his laptop and it does. Weird.

i did forget to call and cancel though and they charged my card the first month.
i guess that's how they get you. FREEcreditreport is misleading though.

yeah same here, you got the number handy?

1-877-481-6826

I've been asked for my credit card every time I used them (which is I think three times now... successfully called and cancelled the credit monitoring every time). The front page of their website clearly states:



http://www.annualcreditreport.com is for the government-mandated yearly free credit reports, though you can't get your FICO score for free.

since this thread is about credit cards

i now have a citibank aadvantage card so i get miles on american...works for me

stay away from crap like that


even though they clearly state you will be enrolled in a monthly service, the way they handle customers is borderline scamming


like mentioned

go through annualcreditreport.com or something that's sponsored by a reputable organization or by the credit bureaus

also..it's better to go through your bank to get credit reports...i know some offer some kind of financial advice and you can get one cheap that way

Not that I'm disagreeing with you, but it's worthy of note that FreeCreditReport.com is actually sponsored by Experian.

Which of their cards do you have? The platinum?

Definitely call and ask about having the fee waived. I just canceled mine (switching to an AmericanExpress) and it was a pain in the butt.

yeah when i called to cancel, the lady was like "which site was it again?" and listed like ten different websites that they operate with.