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Do Not Sign Up Unless You Love To Fight
Posted by on
FAIRLESS HILLS, PENNSYLVANIA -- In my other reviews, I mentioned how I am about to take on a car payment. So lately, I've been obsessed how my credit is. I have to use my grandmother's credit to purchase and pay off this car. So this brings me to

I've seen the commercials, and I saw an ad on Facebook, so I said "Hey, why not?" So I go through the whole sign-up thing, and it says that you will be charged if you do not cancel within a week. Well I'm sure they depend on you to either miss out on that little detail, or completely forget about it until you are charged and can't do anything about it. Well I was planning on taking a look at my credit score, and then canceling right after that, no dilly-dallying. So I found my credit score, which is good because I only have one credit card, I was concerned if it was affected by my parents and rest of family because of a failed business which affected most of their credit, and I did not want to be in the danger zone at 18 years old. So anyway, as with most other services in the world, to cancel I clicked on the "My Account" tab to see a screen that only contained options to change my name, address, etc. Where's the "Cancel" option?

They don't provide information to cancel, or at least where it should be. So I went on Google and found a page that talked about canceling the account with them, and it's just as bad as trying to cancel AOL back in the day, where they would not take No for an answer.

I signed up around 1:15am today, and sent the e-mail regarding cancellation around 1:23am, and another one around 1:44am because I received a "Welcome" e-mail to

The e-mails were as follows:


I wish to cancel my account with Registered on Friday, 3/20/2009, Canceling on 3/20/2009. I will keep this e-mail in my records for proof that I did cancel 7 days ahead of the charging deadline, and will be sure that no fees are accrued to my account.

and 2.

This is my second e-mail because I just received a "Welcome" e-mail to I want to be sure and absolutely clear when I say that I wish to cancel my account with, meaning that I wish not to be associated with any part of your services, or linked to in any way. I don't want any sales pitches, or attempts to retain me because I have no intent of paying, continuing, or needing any of these provided services. I was just curious as to what my score was, no specific reasoning for why I even needed it, and I don't need to know what my score is every day. So I will say this again. I wish to be removed from all services provided from, Free AND Paying services. I do not expect to be charged in any way shape or form. I will notify my credit card company about this issue and be sure that any attempts at being charged from your company will be reversed.

My account ID is - **********.

Please let me know when this action has been done and I am completely removed from your system and will not be charged any fees whatsoever.

Thank you for your cooperation.

I have not received any responses yet being it is 2:37am local time. My real big complaint right now is that you figure most companies, or at least legitimate companies would have a Cancel option online if you can sign up online with them without a problem. It's just very misleading how they have it set up. I also let JPMorganChase know about this, the company that my credit card is with that would be charged with any fees by I don't know if they can do anything about it, but the fact that I let them know about the issue and have all of my e-mails and times on file may help me in the long run.

If anyone has any experience with them, please let me know anything that could help me with this. I don't feel like being charged money that I shouldn't be paying due to misleading advertisements and all of that crap.
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User Replies:
Anonymous on 03/20/2009:
You would probably get better results if you called them instead of emailing. They could easily deny never having received you request to cancel with the time frame.
Make sure you get a confirmation number.
From the web site:
How do I cancel my membership?

If for any reason you are not satisfied, you can cancel anytime to discontinue your membership to Triple Advantage Credit Monitoring and stop the monthly billing. However, you will not be eligible for a prorated refund of any portion of your current month's paid membership fee. To cancel, please contact Customer Care at

Soaring Consumer on 03/20/2009:
Actually, it is usually the opposite, as emails create a paper trail.

I also recommend getting a tape recorder for your phone, so you have recorded verification of the cancellation.
CMcIntyre90 on 03/20/2009:
Well I got two email responses from two different people saying the same thing that they're sorry to see me go, and I got an email saying that my cancellation is effective 3/28/09. That's 8 days away. I hope that means that I can't use it that day, and they're not going to charge me on day 7, and then cancel me on day 8, that's ridiculous. I sent an e-mail back about that and saying that I will go through dispute if they charge me any fees, because I clearly canceled before 7 days were up.
Anonymous on 03/20/2009:
I signed up on as well. However, I never got to look at my credit score. I couldn't get past the security questions. One question listed a bunch of addresses and asked which one I had lived at. I never lived at any of them and that answer was not an option. So I never completed the process. They still charged me for it though. Emails didn't help so I called and they refunded my money and cancelled my account.
Anonymous on 03/20/2009:
I agree, call them to discuss the cancellation in person. I've used for years and haven't had any issues but whenever I've needed assistance I've called.

And I suggest that you don't get a tape recorder and record the call. If you really feel you need to do something like that, you must first check your states laws, every state is different. Most companies don't allow their customers to record the calls anyway and once you advise that you're doing so, they will simply disconnect.
CMcIntyre90 on 03/20/2009:
Just got an email back from them saying that my account will remain active until the 27th and I will not be charged for the free trial period. So I'm hoping that come the 27th, 28th, I don't get any charge. It seems like they understand what I mean and now I just have to play the waiting game. Thank you all for your tips and advice, it seems like the e-mails have worked thus far.
Soaring Consumer on 03/20/2009:
Keep the confirmation that you will not be charged. Then if they do charge you, you can forward that information to the credit card company and dispute it.
nbaycaligirl on 03/21/2009:
I too have had problems with You have to call to cancel (they don't make it exactly obvious as to what number to call), and when you finally do call and talk to a Rep, they give you such a hard time trying to get you to keep your membership. It is such a ridiculous hassle. I cannot stand businesses that are run that way.
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Don't go to
Posted by on

Don't get fooled by that jingle on TV. Well, I can only say I'm a sucker for it. When you sign up for the so-called free credit report on their web site, they will start to bill you after that if you did not realize the fine print. I think lots of people have fallen to this ploy and they have been sued by the FTC before. Read it here at shtm. In there it says :

It deceptively marketed “free credit reports” by not adequately disclosing that consumers automatically would be signed up for a credit report monitoring service and charged $79.95 if they didn’t cancel within 30 days, in violation of federal law.

According to the FTC’s complaint, Consumerinfo’s advertising and Web sites failed to explain adequately that after the free trial period for the credit monitoring service expired, consumers automatically would be charged a $79.95 annual membership, unless they notified the defendant within 30 days to cancel the service. Consumerinfo billed the credit cards that it had told consumers were “required only to establish your account,” and, in some cases, automatically renewed memberships by re-billing consumers without notice. The FTC charged that the defendant’s failure to adequately disclose the automatic billing and to get consumers’ consent to bill their accounts violated federal law.

If you're like me, send a complaint to FTC here at Call freecreditreport & demand a refund. Or get in touch with your state attorney general or the state banking commission if your credit card company refuses to dispute these unauthorized charges. If you need a credit report, get it here Also organizations like the BBB nowadays is not a good source of trust nowadays as it makes money from subscriptions from companies and there is a potential conflict of interest and they have no authority to deal with situations like these unlike the FTC.
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Anonymous on 05/21/2009:
I use this website and have for years. When I signed up, it clearly stated that if I did not cancel within the trial period, I would be billed a monthly fee of $12.95. That fee provides daily credit monitoring, as many free credit reports as I want, and access to my credit report as much as I want, etc.

On the main page of their website, right under silly guy with the banjo it says in regular sized font:

When you order your free report here, you will begin your free trial membership in Triple AdvantageSM Credit Monitoring. If you don't cancel your membership within the 7-day trial period**, you will be billed $14.95 for each month that you continue your membership., Inc. and are not affiliated with the annual free credit report program. Under a new Federal law, you have the right to receive a free copy of your credit report once every 12 months from each of the three nationwide consumer reporting companies. To request your free annual report under that law, you must go to

**Looks like the monthly fee went up $2 since I joined a few years ago.
Anonymous on 05/21/2009: is a scam and has been a scam for years going back to the days of "I'm thinking of a number". All the disclaimers on their website are their because of FTC fines and threats by state's attorney generals. Everybody from the press to government agencies who have looked into this company have all concluded that their marketing is deceptive, misleading and borderline fraudulent. Doesn't surprise though because the website/name is owned by Experian the same jack@sses that are denying the average consumer access to their FICO score in favor of you buying one of their FAKKO scores which are meaningless in today's world. Scumbags if you ask me.

Here's my litmus test for any free offer. If you ask for my credit card number then your offer is not FREE.

Good job OP bringing this mountebank to the memberships attention. Perhaps your lesson learned will save somebody else from a lesson learned.
Ponie on 05/21/2009:
justbcuz, you're one of the (few) people who doesn't jump in with both feet at the siight of the word 'FREE.' They get to that word and read no further. We see it quite often on My3C where further shipments of a product are made after the 'free' shipment. Those words are there--maybe in very fine print--but they're there. And if they aren't, then I'd agree with the complaints.
Anonymous on 05/21/2009:
Thanks Ponie, what's funny about that is I found M3C after I ordered some exercise equipment online that included a free trial of some weight loss gimmick and didn't even notice it til I'd been charged. I posted it as an FYI to everyone to make sure they read the fine and extra, extra fine print. It was a great learning experience for me though.
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Charged 19.95 I Was To Get 7 Days Free
Posted by on
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FlShopper on 03/01/2011:
By law, you can get 3 free credit reports per year (1 from each of the big credit reporting companies) by going to
If you also want your credit score, you can get it after you get your report for around $7.95.
There's no membership fee, no 'free trial', etc.
Anonymous on 03/01/2011:
From the FCR website:

When you order your $1 Credit Report and Score here, you will begin your 7-day trial membership in Triple Advantage®. If you don´t cancel your membership within the 7-day trial period*, you will be billed $14.95 for each month that you continue your membership. You may cancel your trial membership anytime within the trial period without charge.

And further down it says:

*Monitoring with Experian begins within 48 hours of enrollment in your free trial. Monitoring with Equifax and TransUnion takes approximately 4 days to begin, though in some cases cannot be initiated during your trial period. You may cancel your trial membership any time within 9 days of enrollment without charge.

Sounds like you were overcharged and w/in the trial period to boot..have you filed a dispute with your CC?
tnchuck100 on 03/01/2011:
I have always had a problem with their name "". It is VERY deceptive. But deceit is how the big boys make their money.

I have always used But even though there you must pay attention. You will be enticed to spend money.
momsey on 03/01/2011:
Well, it is seven days, if you count the 22nd as one of the days.

But a good rule of thumb is, if you have to give your credit card for anything "free," it's really not free. is the place to go for your free report. I do it every year and have never spent any money there.
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How do I cancel?
Posted by on
I applied for a free credit score and report from Freecreditreport. I got them but then in a few weeks I noticed they started billing me $14.95 per month for the service. I did not intend to pay for the service. They advertised it as free. I can't see a way to cancel on the site. What's the best way to effectively cancel this service?
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Flexanimous Fellow on 02/03/2010:
It does plainly state on the left side of their website that by giving them your credit card number (that should have raised red flags if you believed it was free) you will be enrolling in a trial version of their product, and a monthly charge will be assessed if it is not canceled.

Lawfully, you can request a free credit report once per year. In order to get the FREE report, you must visit

The contact information for is as follows:
Phone: 1-877-481-6826
Anonymous on 02/03/2010:
Yeah my friend used them. He planned on cancelling before the free trial was up but forgot. He got charged the 14.95 but immediately cancelled it. That's how they get ya. Hoping you forget to cancel. They gave him some speil about they can help protect his credit score...blah blah thanks. You already suckered me into paying one month. Had no problem cancelling. Call them up and tell them to cancel you.
Anonymous on 02/03/2010:
It does, on the left side, state not only in English, but Spanish as well:

When you order your free report here, you will begin your free trial membership in Triple Advantage(SM) Credit Monitoring. If you don't cancel your membership within the 7-day trial period**, you will be billed $14.95 for each month that you continue your membership."

In very easy to read font.

To cancel, as found on the website:

"you may cancel your membership and terminate further billing by calling the toll-free number listed on this Web Site, or by calling 1-877-481-6826."

snowmanvt on 02/04/2010: is the only truly free credit report site.
The site is run by (or for) the feds and is really free--not a come-on for more services or bundled with pay services.
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