| You see the offers all over your screen when you try | | | | The worst thing is that they will continue to charge you |
| to surf the net, the banners advertising free instant | | | | the monthly service fee until you decide to call the |
| credit reports from some online service or agency. | | | | company and cancel the subscription. This is easier |
| When you click on them and read the small print, it | | | | said than done. These online companies that offer free |
| turns out that you need to sign up, create a profile, give | | | | instant credit reports do not readily give up their phone |
| a password, and volunteer your credit card information | | | | numbers and when they do they severely under staff |
| before they allow you to see your credit report. That | | | | them so that the disgruntled caller may have to wait |
| does not sound like free to me. Free usually connotes | | | | hours in order to get a customer service |
| something that is given in exchange for no | | | | representative to help them. These customer |
| consideration, thus the term "free." | | | | "disservice" representatives will argue and try and do |
| On the face of it, free instant credit reports seem like | | | | everything they can to dissuade you from canceling |
| a good way to finally see what your credit score is | | | | your account. If you stick to your guns however they |
| and so many people fall prey to the scam and sign up, | | | | must obey and cancel the account. If you catch it early |
| not knowing that they are signing up for a monthly | | | | enough into the first billing cycle, you may be able to |
| service that will charge them a hefty fee each month. | | | | get a refund, though most companies object to giving |
| It will come out automatically from their checking | | | | back any of their hard swindled funds. |
| account if they gave a debit card number or it will | | | | The best way to get free instant credit reports is to |
| show up as a charge on their credit card statement if | | | | go to the online sites of the three major credit |
| they use a charge card. Either way, they will be paying | | | | reporting bureaus themselves. Just make sure that you |
| for something that they thought was going to be truly | | | | don't give up your credit or debit card number and you |
| free. | | | | should be alright. |