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Short
Description :
Get a free copy of your
credit report and 30 free days of the CreditCheck Monitoring Service.
Find consumer, bankruptcy, money, loan, and credit information.
Specials/Deals
:
Get Your FREE CREDIT
REPORT with ConsumerInfo.com!
Reviews of
ConsumerInfo.com :
Click
here to send us your personal Review of ConsumerInfo.com
Review written by
Kelly, UT.
Consumerinfo.com
offers a potentially useful service, with something of value free up
front, and terms similar to most offers I receive regarding credit
services.
I was introduced to consumerinfo.com through MyPoints. They offered me
10 of points to visit the site, and I think another 190 for
signing up.
I visited the site. "Gee," I thought, "it probably
wouldn't hurt to have a copy of my credit report hanging around, even
though I'm pretty sure my credit rating is good overall." But being
the jaded old Internet dinosaur I am, I read the fine print very, very
carefully.
Then I went ahead and signed up. Their two-part security system - you
get half of your access code by e-mail, and half by snail-mail - was a
little annoying, but impressive at the same time. I can respect that
approach to security, especially when my credit information is
involved!
I was worried, though, that they'd drag their feet on sending me the
snail-mail part of the info, and I'd have to call and cancel without
ever getting my credit report. I also figured I'd have to deal with some
sort of high-pressure sales pitch when I called, but that didn't faze me
- I'm used to telling sales people no. (Or making them call back once a
week for a month and then telling them no, if I'm feeling really
sadistic.)
Fortunately, the mail came quickly enough. I logged on, and got a little
bit lost navigating through their site. Eventually, though, I found the
right part of the site, got my credit report, and saved it to a file
just as they recommended. I waited a couple days, called to cancel, and
haven't heard from them since.
Now, I don't know whether the rep I spoke to when I called to cancel had
access to my credit info or not, but if this company is smart, they've
probably got some sort of "scoring" going on based on people's
credit reports. If the rep had that information, they would have known
that I didn't really need a service to watch my credit reports -
I've got no late payments, no delinquencies, no bad marks of any kind.
If I'd had a whole bunch of problems on my credit report, and had called
in to cancel, then I'd expect them to try to sell me the service,
since it would actually be of use to me. And yes, I do think
there's a time and a place for services like this. If you get the free
credit report up front and it's really, really ugly, it may very
well be worth the money to subscribe to their service until you can get
things straightened out.
But this, like a lot of the "add on" services the credit card
companies are always pitching me (all of which have very similar terms,
of course - try it free for an introductory period, and then you have
to call to cancel) is really targeted at folks whose credit
situations, or overall financial situations, might be cause for concern.
While I'd recommend at least considering Consumerinfo.com or a similar
"credit-watching" service if your credit report reads like
something by Steven King, those who have reason to believe their credit
ratings are decent can safely skip this one, or take them up on their
free report offer and then remember to cancel, like I did.
Review written by Bob, FL.
I
recently went to Consumerinfo.com hoping to get a copy of my credit
report. I signed up for their free service to gain a copy of what they
had showing for it.
After filling out the form and pressing the submit button the next page
was a shock, I was directed to a page asking for my cerdit card info
stating it was needed to verify my request and that I would not be
billed for the report.
Well, I thought, something seems fishy in the ole hen house. I
im-mediately closed the page and went back to the previous one and
reread it again. There was nothing posted stating that they would need
my credit card info to verify. I clicked on the link again and filled
out the info, pressed submit. The credit card page popped up again. Well
this isn't as free as they are stating.
I then emailed consumerinfo.com about their website not being free as
they have stated. The following day I reveived a reply stating that I
had already received my free report 6 months ago and that if I wanted
another report it would cost me, that was why I got the credit card
page.
I responded back to their email stating that I have never visited their
site before and that they were wrong and to recheck their records. A
week passed and low and behold they apologized to me stating that yes my
name was on their record but my SSN and the other persons didn't match.
I guess this just goes to show their system is flawed.
I do recommend you using this site but only ONCE and that is it!
After that they charge you for it and charge you they do!
There is one notable thing that is good about this site, and that is the
credit statement they send you will give you brief history info of your
credit history and with that you can start correcting your credit.
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here to send us your personal ConsumerInfo.com
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