Cougar
Banned
+1,962|7245|Dallas
If any of you have ever wanted to go there and check your credit report....don't.   Take it from me.

Reasons why:

1. The site installs spyware onto your machine.  For a site that requires you to present credit card numbers, social security numbers, names, DOB etc etc, spyware IS NOT the thing I want to see come from your site.

2. The fine print.  So when I went there, all I wanted was to see my credit report, once, because I had no idea what it was.  The fucking site's name is FREECREDITREPORT, so I assumed the bitch was free.  A month later I have a fee of $11.95 sitting in my already over drafted checking account, which in turned charged me a $35 overdraft fee.  Apparently they had a page on the registration setup that asked if you wanted credit monitoring and if you do not uncheck it, it will charge you.  I never saw it, never noticed it, then whammo!  Got a fee.  Fucking faggots.

3. The credit report was wrong.  Since I checked my credit report there, I had someone where I work offer to check it on some official database that they used here at work.  There was a 135 point difference between theirs and ours.  Since they are an online "free" credit report scam and we are the largest debt settlement firm in the country, I think ours may be a bit better.

4. The guy on the phone was an asshole.  The fucking douchebag got mad at me because I wanted to cancel my credit monitoring and then proceeded to talk down to me the entire phone call because "I didn't know what I was doing".  Fuck that guy, I hope his company, family and pets go die in a giant chemical plant explosion.  First they scam me, then they berate me when I cancel their "service".




Take it from me, don't go to that site, don't give them any personal information, don't even think about them.  Fucking scam artists.
Freezer7Pro
I don't come here a lot anymore.
+1,447|6678|Winland

Never use a site showed in those flashy ads on porn sites. Especially one like that.

Why didn't you just check with your company in the first place?
The idea of any hi-fi system is to reproduce the source material as faithfully as possible, and to deliberately add distortion to everything you hear (due to amplifier deficiencies) because it sounds 'nice' is simply not high fidelity. If that is what you want to hear then there is no problem with that, but by adding so much additional material (by way of harmonics and intermodulation) you have a tailored sound system, not a hi-fi. - Rod Elliot, ESP
Mitch
16 more years
+877|7006|South Florida
I hate people.

Freezer7Pro wrote:

Never use a site showed in those flashy ads on porn sites. Especially one like that.

Why didn't you just check with your company in the first place?
I see there commercials on tv.

Last edited by Mitch (2007-12-12 10:23:12)

15 more years! 15 more years!
Graphic-J
The Artist formerly known as GraphicArtist-J
+196|6607|So Cal
Will have that site on notice...
Doesn't someone's credit score go a little bit down for every time one checks it?
https://i44.tinypic.com/28vg66s.jpg
Marlboroman82
Personal philosophy: Clothing optional.
+1,022|7104|Camp XRay

but that damn jingle is so catchy... free credit report . com...
https://i98.photobucket.com/albums/l250/marlboroman82/Untitled-8.png
FFLink
There is.
+1,380|7171|Devon, England
Honestly, I don't know what a credit report is, but even if I did, I'd never give ALL my details to a website called FreeCreditReport.com...
Mekstizzle
WALKER
+3,611|7101|London, England
Cougar, how the hell did you fall for this. I thought you were abit more clued up with regards to the internet and stuff. Even supah wouldn't fall for it.
djphetal
Go Ducks.
+346|6816|Oregon

Marlboroman82 wrote:

but that damn jingle is so catchy... free credit report . com...
FREEEEEEEEE CREDIT re-PORT DOT COOOOOM!
G3|Genius
Pope of BF2s
+355|7107|Sea to globally-cooled sea
eh, i did it.  but they say "with enrollment of triple advantage" so I canceled before i got charged.  but they are dipshits, nonetheless.

and i agree.  the jingle is really catchy lol
aimless
Member
+166|6605|Texas
www.annualcreditreport.com

Free. I tried checking my credit, turns out I don't have any yet lol.
PhaxeNor
:D
+119|6896|Norway | Unkown
lol, just been reading on itpro.no that hackers / criminals is on their christmas shopping and getting them self access to botnet, free emails to use for spam ect..

@FFLink13, I would never give out my real account details to anyone too, tho I have use an "fake" account, both for online and other use (paypal and local bank) where I then just transfer money over to my "fake" account when I want to buy something online. Best Way to be secure! Or one off them..
AchangelTyreal
360 owns my soul
+31|6989|Behind You
Cougar,


You should report them to the better business bureau.  If they get enough complaints from people eventually they'll let people know about it, not to mention if enough people see it they will be warned away from the site.
killer21
Because f*ck you that's why.
+400|7071|Reisterstown, MD

I could have told you that.  It is always better to just pay the 25 dollars per credit bureau(there are three of them) so you will get the official credit report and you will know exactly what is going on with your credit instead of going through the third party peeps.
Cougar
Banned
+1,962|7245|Dallas

Freezer7Pro wrote:

Never use a site showed in those flashy ads on porn sites. Especially one like that.

Why didn't you just check with your company in the first place?
Didn't realize they had a credit checker until after I had done the freecreditreport thing.


FFLink13 wrote:

Honestly, I don't know what a credit report is, but even if I did, I'd never give ALL my details to a website called FreeCreditReport.com...
Well, you can't get a credit report unless they have credentials to check on.......


Mekstizzle wrote:

Cougar, how the hell did you fall for this. I thought you were abit more clued up with regards to the internet and stuff. Even supah wouldn't fall for it.
I was actually refered there by my dad....

Yeah, go figure.
Cougar
Banned
+1,962|7245|Dallas

killer21 wrote:

I could have told you that.  It is always better to just pay the 25 dollars per credit bureau(there are three of them) so you will get the official credit report and you will know exactly what is going on with your credit instead of going through the third party peeps.
Well, the thing is, I'm totally clueless when it comes to credit.  I know nothing about how the credit system works or how to gain/achieve credit.  I've always been in the "if I don't have the cash, I don't need it" frame of mind. But I've been looking into getting a new truck and my dad told me I needed to have good credit in order to get a good interest rate when buying.  So, he told me I needed to go to this website that he used and find out what my score was so that I could pay back anything I owed and raise my credit, then start working on building credit.  I didn't owe anything other than a 1 month phone charge fee from when I moved (they kept my payments a month behind when I thought they were a month ahead), so I payed that and now today I have this fucking charge on my account.

I are credit nub.
Funky_Finny
Banned
+456|6613|Carnoustie, Scotland
sux2haveanbankaccount.
killer21
Because f*ck you that's why.
+400|7071|Reisterstown, MD

Cougar wrote:

Well, the thing is, I'm totally clueless when it comes to credit.  I know nothing about how the credit system works or how to gain/achieve credit.  I've always been in the "if I don't have the cash, I don't need it" frame of mind. But I've been looking into getting a new truck and my dad told me I needed to have good credit in order to get a good interest rate when buying.  So, he told me I needed to go to this website that he used and find out what my score was so that I could pay back anything I owed and raise my credit, then start working on building credit.  I didn't owe anything other than a 1 month phone charge fee from when I moved (they kept my payments a month behind when I thought they were a month ahead), so I payed that and now today I have this fucking charge on my account.

I are credit nub.
Credit is very important if you want to get a low APR or low down payments on a house or whatever.  Here are the three credit bureaus that creditors check.  Also, I'll post the site where you can get a 3-in-1 report that has all three reporting bureaus.  It's 34.95 which is cheaper than having to pay for each one individually, unless you want to do that.

Experian
Equifax
Transunion

All three

Last edited by killer21 (2007-12-12 11:26:33)

Poseidon
Fudgepack DeQueef
+3,253|7018|Long Island, New York
Their commercial jingle makes me want to punt small children across a football field.

FREEEEEEEEECREDITREPORTDOTCOM!
rhinoh2o74
Member
+13|6786|oHIo
take a look at http://clarkhoward.com/, it's hard to find anything, but alot of it is very useful.
mr.widdim
The Second Apostle Of Chuy
+78|7185|Flaming_Maniac = pwnd.

McAfee's Opinion - I would not put my info up on a site with a good deal of bad reviews lol.

Last edited by mr.widdim (2007-12-12 11:38:53)

Spearhead
Gulf coast redneck hippy
+731|7170|Tampa Bay Florida
Wow, what a rip off.


^douchebag

^lol

Last edited by Spearhead (2007-12-12 11:34:41)

Master*
Banned
+416|6975|United States
They have commercials for it too. Frreeeeeeeeee credit report dot coooooooom
Funky_Finny
Banned
+456|6613|Carnoustie, Scotland

Spearhead wrote:

Wow, what a rip off.

[youtube][/youtube]
^douchebag
[youtube][/youtube]
^lol
*Logs onto freedumbassreport.com*
*lols*
heggs
Spamalamadingdong
+581|6869|New York
Yeah, that shit is retarded. I kind of figured it was a scam when I saw the commercials, but thanks for giving the heads up.

About the credit thing, an easy way to raise it (if you don't already know, you said you're a noob, but I'm not exactly sure how much of one you mean), is to get a credit card with a low balance limit and use it often, and pay back on time. I had one with an $800 limit all throughout college, buying books and paying it off every semester. I think I built up my credit pretty good, as I was able to go to a dealership and get a car with no trouble (not one of those dealers that don't care about credit rating either). I think I got a decent rate, not the best, but OK. I don't think I'll get very good rates for another 10 yrs or so.
Remember Me As A Time Of Day
Graphic-J
The Artist formerly known as GraphicArtist-J
+196|6607|So Cal

Funky_Finny wrote:

Spearhead wrote:

Wow, what a rip off.

[youtube][/youtube]
^douchebag
[youtube][/youtube]
^lol
*Logs onto freedumbassreport.com*
*lols*
...
I LOL'd
https://i44.tinypic.com/28vg66s.jpg

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