Without Any Strings Attached?
Q: About 6 or 7 years ago, I could get a copy of my credit report for free from TRW without any strings attached. I just wrote them a letter to request one. It seems that the free service is no longer available since TRW sold the business. I know that I can request a copy my credit report if my credit card application gets rejected. But it's very unlikely that my credit card application will be rejected. So, is there a way to get a free credit report without any strings attached?
A: -Move to Colorado, Georgia, Maryland, Massachusetts, New Jersey, or Vermont; if you live in one of those states you can get a free copy. Go to creditexpert.com and sign up; you get unlimited access to your Experian file. It's expensive, but there is a 30-day free trial, so you can sign up and cancel before the month is out. Give them an Amex private payments number which expires before they'll try to charge it, if you don't trust them to cancel for you. You can always give them another number if you should decide it's worth the money. Don't worry, looking at your file there is a soft inquiry (and you'll build up quite a collection of them, since it's a new inquiry every time you pull your report). Go to worthknowing.com, where you can get your Trans Union report for free in exchange for looking at some offers of pre-approved credit. Also a soft inquiry. Don't go to qspace.com. They may put a hard inquiry on your report to pull it for you. Of course, you can go straight to the credit agencies and get your report for like $8, which isn't exactly a fortune. -I am notifying you that your company has placed an unauthorized charge on my Bank Card causing my account to become overdrawn. After much research this morning, I have found numerous online complaints from consumers stating that your company has been deceptive, fraudulent and charged others for services within a FREE TRIAL OFFER. Basically, I signed up for a free credit report, which I may access for 30 days. If I fail to cancel, my charge card would be charged the annual membership fee of $79.95. I attempted to cancel through the 1-800 number, which was practically impossible therefor; I opted to use the email cancellation process you mention on the recording. I did cancel within the 30 days, July 17th to be exact. However, your company deliberately processed my cancellation notice 9 days later, which was after the 30-day trial period. I called and spoke with a manager, David Suen. He told me that on the application, the disclaimer I agreed to says that by canceling via email there is a 10 processing delay. The following is your part of the disclaimer pertaining to this.