Almost everybody qualifies for free reports upon insurance renewals as very few people get the very best rates.

Below are the detailed instructions for ordering and what NOT to do.

First I searched online at their website and they stated that you have to order a snail mail report by telephone:

Check Credit Report

…

Qualifying for Discounted or Free Credit Reports

You may be eligible to receive a discounted or free credit report if you meet one of the following conditions:

• Your request for credit, insurance, employment or rental housing was denied based on information received from Experian, and you contact us within 60 days of the denial.
• “Adverse action” was taken against you based on information in your credit report (for example, your interest rate was raised or your credit limit was decreased). The name of the credit reporting agency that provided your credit report and how to contact the agency for a copy will be provided by the company that declined your credit application or took adverse action.
• You reside in a state where laws require credit reporting agencies to provide their residents with a free or discounted report each year even if they are not denied credit.
• You certify in writing that you are unemployed and seeking employment or receive public welfare assistance.
• You have reason to believe your credit file contains inaccuracies resulting from fraud.

To confirm your eligibility and request your free or discounted copy of your credit report delivered by U.S. mail, please call 1 866 200 6020. If you would like immediate online access to your Experian credit report and score for only $14.95, …

Of course they want people to PAY for the reports instead of waiting weeks for snail mail reports and that’s why they don’t tell you that you CAN get your FREE report online.

I called 1 866 200 6020 and eventually got to a recording, informing me that I could get the FREE report online.

• Go to http://www.experian.com/reportaccess/.

* If you have been declined credit, employment or insurance, or experienced adverse action, or if you received a notice that the terms of credit offered to you may be less favorable than the terms offered to consumers who have better credit histories, you may qualify for a free report.

• Click on “Get my report now” and you should arrive at a form to complete.

Of course you have to provide your personal info and address, but Experian also tries to trick you into providing your employment info.

• Do NOT provide your employment info.

Credit bureaus make MOST of their profits helping creditors and collectors COLLECT.

Of course they want your current employment info!

Since NO personal data is utilized in credit scores, it is best NOT to show any employment information on credit reports unless you are certain that you will NEVER have financial problems.

Since this is the free report, you need to provide the name of the business that ran your credit and the date you were notified, not longer than 60 days ago.

On the next screen they will try to sell you more of their useless services such as credit monitoring.  You only need credit monitoring if you’ve been battling collectors and are about to buy a house.  You can get new reports with your REPORT NUMBER for about 3 months.  And you get a new report number every time you get credit dispute results.

• Do NOT buy their Vantage score!

Please read Credit Scoring Basics for more info on FAKE credit scores and why you need the FICO scores if you want to buy a house.

Skip the advertisements and simply order the FREE report.

• You will have to answer the SECURITY questions before you receive the report.

Don’t worry if you don’t recognize accounts, addresses, etc.  “NONE OF THE ABOVE” is often the correct answer.

I hope this post will help many readers save a few dollars and please donate a few dollars to support this site.

Please submit a comment with questions or problems getting your FREE reports.

The FAKE TrueCredit credit scores mean nothing.

Please read FICO Credit Scoring BASICS for more info.

Since a client in the middle of a refinance wanted to see what the current reported balances are, I thought she could try the Trans Union-owned TrueCredit.  However, the offer she got was for a 7-day trial for only Trans Union reports and below is the link to get a free tri-merged report, but there are a few things you ought to know.

The TrueCredit fraud and deception.

According to Trans Union’s attorneys, the credit reports sold at TrueCredit are NOT “consumer disclosures” as defined by the Fair Credit Reporting Act (FCRA) and therefore it is legal to mislead consumers into wasting their hard-earned money.

The TrueCredit credit reports do NOT contain:

• all information reported to creditors
• all information required to be disclosed to consumers according to the FCRA

TrueCredit reports MAY contain:

• DIFFERENT information than what is reported to creditors.

Of course TrueCredit does NOT disclose any of this to consumers as their profits are much more important to them than being honest and complying with the law.

Trans Union has always focused on MARKETING and the FTC sued Trans Union several times for illegally using and selling consumer credit report data to market.

That was prior to 2000, when President Bush took over and directed the FTC to do whatever it takes to ensure that the bankers and credit bureaus maximize profits at the peoples’ expense.  Unfortunately, President Obama is as corrupt as any politician and you all know what happened to the promised “change.”  The corporations run the planet.

Do NOT click on the countless TrueCredit ads for debt elimination, credit cards and mortgage rates.

You are subjecting yourself to ID THEFT, as many of these companies will sell all your personal information to the highest bidders.

Obviously, the highest bidders are often criminals like Mark Cella and his now defunct debt elimination scam FDRS.  Quite likely, your data will be sold to MULTIPLE bidders who then sell your data again if you don’t respond to their shady offers.

So, now that you know what you’re in for, get your free tri-merged report if you need only partial info, such as current balances and an overview of your credit and it’s not important if creditors get some different data.

You do need to provide your CREDIT CARD info to get the free tri-merged report and since you need to cancel within 7 days to avoid getting charged $14.95, order your report (you only get ONE report every 30 days), SAVE it to your hard drive (make sure it saves correctly) and then immediately CANCEL.

How to cancel?

From “Everything you need to know about this offer“:

Of course they make it difficult to cancel so that they can charge the $14.95.  During my own most frustrating attempts to cancel I learned that you can NOT cancel online.  I just read the FAQ, help page, etc. and found NOTHING on how to cancel.

You have to call:

Talk to a Customer Service Team member.*
Monday through Thursday, 8 a.m. to Midnight
Friday through Sunday, 8 a.m. to 8 p.m.
Eastern time

Call toll-free (800) 493-2392

The TrueCredit TERMS and PRIVACY POLICY make it very clear that they are a company to avoid like the plague and while you may want to get your FREE report, it’s an excellent idea to immediately cancel.

Nobody should have to read through THIS:

Service Agreement

Welcome to the TrueCredit web site, www.TrueCredit.com, (the “Site”). This Service Agreement (“Agreement”) contains the terms and conditions upon which you (“you,” or the “member”) may access and use TrueCredit or any products through the Site. You agree to be legally bound by these terms.

THIS AGREEMENT CONTAINS AN ARBITRATION CLAUSE AND A CLASS ACTION WAIVER.

YOU MUST SCROLL DOWN, READ AND ACCEPT THE TERMS OF THIS AGREEMENT BEFORE YOU WILL BE PERMITTED TO REGISTER FOR AND PURCHASE THE TRUECREDIT PRODUCT.

TrueCredit is not a credit repair organization, or similarly regulated organization under other applicable law, and does not provide credit repair advice.  We do not claim that we are able to “clean up” or “improve” your credit record, credit history or credit rating.

TrueCredit credit monitoring monitors only the credit file associated with the purchasing consumer, and does not monitor, compare or cross-references the credit file associated with the purchasing consumer to any other credit file(s) maintained by the applicable credit bureau(s).

IN ORDER TO DELIVER THE PRODUCT TO YOU, WE MUST OBTAIN YOUR CONSUMER CREDIT FILE AND OTHER INFORMATION.  YOU HEREBY AUTHORIZE TRUECREDIT TO ACCESS YOUR CREDIT FILES FROM EACH NATIONAL CREDIT REPORTING AGENCY AND TO EXCHANGE CERTAIN INFORMATION ABOUT YOU WITH EACH SUCH NATIONAL CREDIT REPORTING AGENCY IN ORDER TO VERIFY YOUR IDENTITY AND PROVIDE TRUECREDIT TO YOU.

MANY GOVERNMENT RECORDS ARE AVAILABLE FREE OR AT A NOMINAL COST FROM CERTAIN GOVERNMENT AGENCIES.  IN ADDITION, CREDIT REPORTING AGENCIES ARE REQUIRED BY APPLICABLE FEDERAL AND STATE LAW TO FURNISH YOU A COPY OF YOUR CREDIT REPORT UPON REQUEST, IN SOME INSTANCES AT NO CHARGE, OR FOR A NOMINAL FEE, SEE “FAIR CREDIT REPORTING ACT” BELOW.

Special Services

FOR CUSTOMERS WITH A GIFT CERTIFICATE CODE, OBTAINED THROUGH A THIRD-PARTY PROVIDER: YOUR GIFT CERTIFICATE ENTITLES YOU TO RECEIVE FREE PRODUCT(S) PURSUANT TO THE TERMS OUTLINED BY YOUR PROVIDER. THERE WILL BE NO CHARGE MADE TO YOU FOR THESE SERVICES, THE SERVICES WILL NOT BE RENEWED AT THE END OF THE SERVICE PERIOD AND YOUR CREDIT CARD WILL NOT BE CHARGED. IF YOU DESIRE SERVICES FROM TRUECREDIT AFTER THE END OF THE SERVICE PERIOD PROVIDED BY YOUR FINANCIAL INSTITUTION THROUGH THE GIFT CERTIFICATE, IT WILL BE NECESSARY TO ORDER THE PRODUCTS AVAILABLE AT THE THEN MARKET RATE.

Free Trial

The terms of any free trial are specific only to the product subject to the free trial.  TrueCredit will verify your billing information before processing your order.  An authorization will be requested from your billing account to make sure it is valid and in good standing.  TrueCredit will not bill your account until the relevant free trial period is completed and you have not cancelled your subscription during such trial period as provided below.  If you upgrade to a new monitoring subscription during a free trial, you will lose all benefits to the trial and will be billed immediately for the upgraded service.  You may cancel your subscription at any time during the trial period without charge. If you wish to continue your subscription, do nothing and your subscription will automatically continue without interruption.  The monthly fee (plus sales tax, if applicable) will be charged at the conclusion of the trial period to the credit card or bank account you designated as your preference or, if you have not designated a preference, the account that was most recently used on the Site and your subscription will continue automatically, billable monthly at the prevailing rate. To cancel your subscription please contact our Customer Service Team. For contact information and hours of service go to https://www.truecredit.com/contact.jsp.

When you become a member entitled to Credit Monitoring, you understand that it is a membership that automatically renews itself every month indefinitely without action by the member on the anniversary day of your initial purchase. The monthly membership fee will be billed to the credit, debit or bank account that you designated as your preference, or if you have not designated a preference, to the account most recently used on the Site. Should the billing fail to authorize, you will be notified via email immediately. The benefits of your membership (including, without limitation, online credit reports and daily monitoring alerts) will be suspended until payment is received provided payment is received within 25 days. If payment is not received within 25 days, any previous alerts you may have received will be purged from your account, and your membership will be canceled. An enrollee whose membership fee has been paid is entitled to all privileges included in the membership until the membership is canceled by the enrolled member or otherwise terminated as described later in this document. Upon cancellation, the member loses access to the areas of the Site designated for members only and loses access to the member’s data and other benefits. This could include any credit data and analyses that have been displayed during the membership. A member may cancel at any time. Should you decide to cancel your subscription a Customer Service representative can arrange for all future renewal fees to be canceled. However, please note that neither full nor pro-rated refunds will be given for the current month. Any free trial is available one time only per customer. Once any free trial has been canceled all subsequent orders will be billable at the prevailing monthly subscription rate.

Membership

Credit reports, credit scores and debt analysis will be available for a period of up to two years or until you update your report, otherwise, products will be provided for the period stated in the product description. Enrollment in a monitoring program will usually occur within 24 hours but may be delayed. If TrueCredit is unable to confirm enrollment for any reason, notification will be made by TrueCredit to the email address we have on record for you at the time of the notice.

Memberships, such as monitoring products, automatically renew indefinitely without action by the member, and the membership fee is charged to the member at the time of renewal. An enrollee whose membership fee has been paid is entitled to all privileges included in the membership until the membership is cancelled by the enrolled member or otherwise terminated as described later in this document. Consent to obtain credit data to fulfill the benefits of subscription products shall be valid under the program until cancelled. Upon cancellation, the member loses access to the areas of the Site designated for members only and loses access to Fraud Resolution Services. This could include any credit data and analyses that have been displayed during the membership. A member may cancel at any time. To cancel your membership please contact our Customer Service Team. For contact information and hours of service go to https://www.truecredit.com/contact.jsp.

When you become a member entitled to ID Fraud-Watch™, Weekly Credit Alerts, TransUnion Credit Monitoring, 3-Bureau Credit Monitoring, Debt Monitoring and/or Credit Score Monitoring, you understand that it is a membership that automatically renews itself indefinitely. TrueCredit will charge the membership fee to the credit, debit  or bank account that was last used on the Site, at the then prevailing rate, and your membership will continue automatically. Should your billing account fail to authorize, you will be notified via email immediately. The benefits of your membership (including, without limitation, online credit reports and credit monitoring alerts) will be suspended until payment is received provided payment is received within 25 days. If payment is not received within 25 days, any previous alerts you may have received will be purged from your account, and your membership will be cancelled.

Credit Monitoring

Credit Monitoring (including TransUnion Credit Monitoring, 3-Bureau Credit Monitoring, and other credit monitoring products offered on or through this site) is provided by TransUnion Interactive, Inc. Credit Monitoring monitors one or more of your credit files, depending upon the type of Credit Monitoring you purchase, which are separately owned and/or maintained by each of the applicable credit bureaus: TransUnion LLC, Experian, and Equifax. Credit Monitoring monitors the credit file most closely identified with you based on multiple identifying factors such as first, middle and last names, current and former addresses, Social Security number and date of birth. Credit Monitoring may not advise or alert you if an item of identifying information about you (including your name or address or Social Security number) is contained in the applicable credit bureau’s credit file of another person, and will not provide you with any information contained in another individual’s credit file. Credit Monitoring does not monitor, compare or cross-reference your credit file (s) with the credit files(s) of any other person.

General Terms

TrueCredit maintains the Site to provide you with information about our memberships, products and services and to facilitate communication with us and our affiliates.  From time to time we may revise these terms and conditions.  Revisions will be effective when posted or as otherwise stated.  Additional terms and conditions may apply to specifics of our memberships, products and services or to participate in our affiliate program, contests or surveys.

The images, text, screens, web pages, materials, data, content and other information (“Content”) used and displayed on the Site, including but not limited to TransUnion Interactive™, TransUnion Interactive™ and Design, TrueCredit™, TrueCredit™ and Design, FreeCreditProfileSM, FreeCreditProfileSM and Design, KnowYourLoanRateSM, KnowYourLoanRateSM and Design, 123 Credit Reports™, 123 CreditReports.com™, 123 CreditReports.com™ and Design, Manage Your Credit Manage Your Life™, TruePlanner™, Credit InformSM, TrueScore™, TrueRates™,  TrueProfilerTransUnion’s TransRisk New Account ScoreSM, Credit MonitoringSM, ID Fraud-Watch™, Debt MonitoringSM , and Credit Score MonitoringSM are the property of TrueCredit or its licensors and are protected by copyright, trademark and other laws. In addition to its rights in individual elements of the Content within the Site, TrueCredit owns copyright or patent rights in the selection, coordination, arrangement and enhancement of such Content.  You may copy the Content from the Site for your personal or educational use only, provided that each copy includes any copyright, trademark or service mark notice or attribution as they appear on the pages copied.  Except as provided in the preceding sentence, none of the Content may be copied, displayed, distributed, downloaded, licensed, modified, published, reposted, reproduced, reused, sold, transmitted, used to create a derivative work or otherwise used for public or commercial purposes without the express written permission of TrueCredit or the owner of the Content.

OUR SITE, INCLUDING ALL CONTENT, MEMBERSHIPS, PRODUCTS AND SERVICES MADE AVAILABLE ON OR ACCESSED THROUGH THIS SITE, IS PROVIDED TO YOU “AS IS”. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, NEITHER TRUECREDIT NOR ITS AFFILIATES MAKE ANY REPRESENTATIONS OR WARRANTIES OF ANY KIND WHATSOEVER AS TO THE CONTENT, MEMBERSHIPS, PRODUCTS OR SERVICES AVAILABLE ON OR ACCESSED THROUGH THE SITE, THAT A USER WILL HAVE CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO OUR SITE, MEMBERSHIPS, PRODUCTS OR SERVICES OR THAT OUR SITE, MEMBERSHIPS, PRODUCTS OR SERVICES WILL BE ERROR-FREE. IN ADDITION, TRUECREDIT AND ITS AFFILIATES DISCLAIM ALL EXPRESS OR IMPLIED WARRANTIES, INCLUDING TITLE, MERCHANTABILITY, AND FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT AND INFORMATIONAL CONTENT. THEREFORE, YOU AGREE THAT YOUR ACCESS TO AND USE OF OUR SITE, MEMBERSHIPS, PRODUCTS, SERVICES AND CONTENT ARE AT YOUR OWN RISK. BY USING OUR SITE, YOU ACKNOWLEDGE AND AGREE THAT NEITHER TRUECREDIT NOR ITS AFFILIATES HAVE ANY LIABILITY TO YOU (WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE) FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL OR SPECIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH YOUR ACCESS TO OR USE OF OUR SITE, CONTENT, MEMBERSHIPS, PRODUCTS OR SERVICES (EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), INCLUDING LIABILITY ASSOCIATED WITH ANY VIRUSES WHICH MAY INFECT YOUR COMPUTER EQUIPMENT.

TrueCredit is not responsible for any overdraft/over-the-limit charges or bank fees triggered by your order being processed or billed. We suggest using a credit card rather than a debit card.  Refunds will not be issued if we have successfully located and delivered your order to you.

Fraud Resolution Services

If you are a credit monitoring member, TrueCredit will provide you with certain fraud resolution services outlined below (the “Fraud Resolution Services”) during the period that you are a member.  TrueCredit and its third party service providers are obligated only to provide services in the United States to members domiciled in the United States.  The Fraud Resolution Services are provided by Trans Union, LLC, the parent of TrueCredit, under an agreement with TrueCredit.

In no event shall TrueCredit or Trans Union, LLC be liable for consequential damages, for any delay in Fraud Resolution Services, or for loss of use of funds during the period that your service request is being processed. TrueCredit and TransUnion, LLC shall not be obligated to provide Fraud Resolution Services, nor shall it be liable, if you have not provided complete, accurate and current information relating to your service request. TrueCredit and Trans Union, LLC are not obligated or responsible for providing Fraud Resolution Services for any service request based on (a) an act of fraud, deceit, collusion, dishonesty or criminal act by you or any person acting in concert with you, or by any authorized representative of you, whether acting alone or in collusion with you or others, (b) authorized charges that you have disputed based on the quality of goods or services, (c) authorized account transactions or trades that you have disputed, or are disputing, based on the execution (or non-execution) of electronic transfers, trades or other verbal or written instructions or directions, (d) losses, damages or expenses arising out of any business pursuits, (e) any losses, damages or expenses that were incurred or commenced prior to your credit monitoring membership commencement, and (f) theft or damages of traveler’s checks, tickets of any kind, negotiable instruments, cash or its equivalent, circulating currency, passports, documents, real property, animals, living plants or consumable items, motorized vehicles of any type, watercraft, aircraft, and items intended for storage, transport, display or habitation.

TRUECREDIT AND TRANSUNION EXPRESSLY DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, WITH RESPECT TO THIS AGREEMENT OR FRAUD RESOLUTION SERVICES HEREUNDER. TRUECREDIT AND TRANSUNION DISCLAIM ALL IMPLIED WARRANTIES OF MERCHANTABILITY, TITLE, AND FITNESS FOR A PARTICULAR PURPOSE. TRUECREDIT AND TRANSUNION DO NOT WARRANT THAT ANY FRAUD RESOLUTION SERVICES PROVIDED PURSUANT TO THIS AGREEMENT ARE NON-INFRINGING, THAT THEY WILL MEET YOUR REQUIREMENTS OR THAT THEIR OPERATION WILL BE UNINTERRUPTED OR ERROR FREE. TRUECREDIT AND TRANSUNION’S LIABILITY IS LIMITED TO THE SERVICES EXPLICITLY SET FORTH IN THIS AGREEMENT. IN NO EVENT SHALL TRUECREDIT OR TRANSUNION BE LIABLE FOR ANY DAMAGES OF ANY KIND INCLUDING DIRECT, INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, (WHICH SHALL INCLUDE WITHOUT LIMITATION, DAMAGES FOR LOSS OF BUSINESS, LOSS OF PROFITS, BUSINESS INTERRUPTION, LOSS OF BUSINESS INFORMATION, OR OTHER PECUNIARY LOSS). IN NO EVENT SHALL TRUECREDIT OR TRANSUNION BE LIABLE FOR ANY LOSS ARISING OUT OF TRUECREDIT OR TRANSUNION’S PERFORMANCE OR NON-PERFORMANCE OF ITS SERVICE. IN NO EVENT SHALL TRANSUNION BE LIABLE FOR ANY DELAY IN PROVIDING SERVICES, OR DAMAGES RESULTING FROM ANY DELAY IN SERVICES. IN NO EVENT SHALL TRUECREDIT OR TRANSUNION HAVE ANY ADDITIONAL LIABILITY TO YOU EXCEPT AS STATED HEREIN. IN NO EVENT SHALL THE LIABILITY OF TRUECREDIT AND TRANSUNION EXCEED THE FEES YOU PAID FOR THE FRAUD RESOLUTION SERVICES IN THE PRECEDING TWELVE MONTHS.

Identity Theft Insurance

The identity theft insurance benefit for credit monitoring members is underwritten and administered by AIG and its affiliates under a master group policy issued to TransUnion Interactive (doing business as TrueCredit) for the benefit of credit monitoring members. A summary of the terms of coverage are set forth on the certificate of insurance located at http://www.truecredit.com/popup/idTheftInsurancePopup.jsp.  The complete policy is available from TrueCredit on request. AIG administers all claims and TrueCredit shall have no responsibility with respect to such identify theft benefit.

TrueCredit Lock

In the event you purchase a product that includes TrueCredit Lock, you acknowledge that some of the features of TrueCredit lock may be available to you under the laws of certain states.  In the event you cancel any subscription that includes TrueCredit Lock as a benefit you will cease receiving TrueCredit Lock upon cancellation.

You acknowledge that TrueCredit Lock will only prevent delivery of your TransUnion credit report.  It will not apply to your Equifax or Experian credit report.  Remember that while a credit lock prevents most third party access to your credit report, a third party may access a locked report in certain instances that are considered a low risk for identity theft, such as official government investigations, collection activities and insurance underwriting and claims administration.

Registration and Accurate Information

If you decide to register on our Site, become a member of one of our membership programs, purchase our products or services or participate in our affiliate program, contests or surveys, you may be required to register, provide personal information, and select a user name and password. You agree to provide accurate information in your registration and not to share your password with third parties. You agree not to impersonate another person or to select or use a user name or password of another person. You agree to notify TrueCredit promptly of any unauthorized use of your account and of any loss, theft or disclosure of your password. Failure to comply with these requirements shall constitute a breach of these terms and conditions and shall constitute grounds for immediate termination of your TrueCredit account and your right to use the Site.  Online access to consumer credit report information is subject to verification of the identity of the user.

Our Privacy Policy

By using our Site, becoming a member of one of our membership programs, or purchasing any of our products or services, you agree that we may use and share your personal information in accordance with the terms of our Privacy Statement. In the event you indicate that you want to receive offers from TrueCredit, your information may be used to serve relevant ads to you when you visit the site. Our privacy statement can be reached from the link at the top of this page.

Fair Credit Reporting Act

The Fair Credit Reporting Act allows you to obtain from each credit reporting agency a disclosure of all the information in your credit file at the time of the request. Full disclosure of information in your file at a credit reporting agency must be obtained directly from such credit reporting agency. The credit reports provided or requested through our Site are not intended to constitute the disclosure of information by a credit reporting agency as required by the Fair Credit Reporting Act or similar laws.

Under the Fair Credit Reporting Act you are entitled to receive an annual free disclosure of your credit report from each of the national credit reporting agencies.  For more information visit the credit report section in the Learning Center, available from most pages of the Site.

You are entitled to receive a free copy of your credit report from a credit reporting agency if:
· You have been denied or were otherwise notified of an adverse action related to credit, insurance, employment, or a government granted license or other government granted benefit within the past sixty (60) days based on information in a credit report provided by such agency.
· You have been denied house/apartment rental or were required to pay a higher deposit than usually required within the past sixty (60) days based on information in a credit report provided by such agency.
· You certify in writing that you are unemployed and intend to apply for employment during the sixty (60) day period beginning on the date on which you made such certification.
· You certify in writing that you are a recipient of public welfare assistance.
· You certify in writing that you have reason to believe that your file at such credit reporting agency contains inaccurate information due to fraud.

In addition, if you reside in the state of Colorado, Maine, Maryland, Massachusetts, New Jersey, or Vermont, you are entitled to receive a free copy of your credit report once a year and if you reside in the state of Georgia, you are entitled to receive a free copy of your credit report twice a year. Otherwise, a consumer reporting agency may impose a reasonable charge for providing you with a copy of your credit report.

The Fair Credit Reporting Act provides that you may dispute inaccurate or incomplete information in your credit report. YOU ARE NOT REQUIRED TO PURCHASE YOUR CREDIT REPORT FROM TRUECREDIT IN ORDER TO DISPUTE INACCURATE OR INCOMPLETE INFORMATION IN YOUR REPORT OR TO RECEIVE A COPY OF YOUR REPORT FROM EQUIFAX, EXPERIAN OR TRANSUNION, THE THREE NATIONAL CREDIT REPORTING AGENCIES, OR FROM ANY OTHER CREDIT REPORTING AGENCY.

It may be the policies of Equifax, Experian and/or TransUnion to provide a complimentary copy of the consumer credit report under circumstances other than those described above. If you wish to contact Equifax, Experian or TransUnion to obtain a copy of your credit report directly from such agency or if you wish to dispute information contained in an Equifax, Experian or TransUnion credit report file, see the contact information and dispute process description contained in the Learning Center or from the inaccuracies tab on your credit report. The form of credit report and related disclosures provided directly by such agencies to you may differ from those provided by TrueCredit.

TrueCredit’s online credit report has been specially designed for consumer ease-of-use. Color illustrations, analysis information and helpful links on TrueCredit’s credit report make it easy for you to understand and manage your credit.

Term and Termination; Modification

This Agreement will take effect at the time you click “I Accept,” and shall terminate (a) when the member cancels his/her membership by contacting TrueCredit via the toll-free number set forth on the web site for cancellations, or (b) upon termination of your membership or (c) if TrueCredit discontinues providing any membership, subject to your right to receive membership benefits that you have paid for or to obtain a refund of a portion of your payment.

TrueCredit products shall not be used in a manner that defrauds or otherwise abuses the credit reporting or credit scoring systems.  TrueCredit has the right to suspend or terminate your use of any product or access to our sites if we determine, in our sole discretion, that your use of our products has abused the credit reporting or credit scoring systems.   Further, you agree that TrueCredit will not be liable to you or any third party if TrueCredit suspends or terminates your access for any reason.

TrueCredit may (i) change the terms of this Agreement or the feature of the membership products, or (ii) change the Site, including eliminating or discontinuing any content or feature of the Site, restricting the hours of availability, or limiting the amount of use permitted, by posting notice of such modification on a page of the Site before the modification takes effect. All changes shall be effective immediately upon posting of such notice. If you use the Site and/or your membership after TrueCredit has notified you of a change in the Agreement, you agree to be bound by all of the changes. You are expected to review the Site periodically to ensure familiarity with any posted notices of modification.

Notices

You should send any notices or other communications regarding our Site, your membership, products or services to TrueCredit, Inc., 100 Cross Street, Suite 202, San Luis Obispo, CA 93401.

TrueCredit is a trademark of TransUnion Interactive, Inc., a Delaware corporation based in San Luis Obispo, California.

Except as otherwise provided, we may send any notices to you to the most recent e-mail address you have provided to us or, if you have not provided an e-mail address, to any e-mail or postal address that we believe is your address.  If you wish to update your registration information, please log in to your account and visit the ‘Your Account’ section from the main menu.

Applicable Law

The laws applicable to the interpretation of these terms and conditions shall be the laws of the State of Delaware, USA, and applicable federal law, without regard to any conflict of law provisions.  TrueCredit can provide credit reports only for individuals who have established credit in the United States.  Those who choose to access this Site, or become a member in one of our membership programs, from outside the United States do so on their own initiative and are responsible for compliance with local laws.  You agree that any and all disputes arising under this Agreement or out of TrueCredit’s provision of services to you, pursuant to this membership or otherwise, if submitted to a court of law shall be submitted to the state and federal courts of New Castle County, Delaware, USA.

Policy Regarding Children

We define children as individuals under the age of 16. Our Web Site is not intended for the use of children and we do not intend to collect information about children through our Web Site.  You must be at least 18 to access any products through this website or to join TrueCredit as a member entitled to membership benefits.

AGREEMENT TO RESOLVE DISPUTES BY BINDING INDIVIDUAL ARBITRATION

THIS SECTION IS AN AGREEMENT TO ARBITRATE DISPUTES (“ARBITRATION AGREEMENT”) THAT MAY ARISE AS A RESULT OF YOUR TRUECREDIT MEMBERSHIPS, PRODUCTS OR SERVICES OR THE AGREEMENT.  READ THIS SECTION CAREFULLY.  YOU UNDERSTAND AND AGREE THAT BOTH PARTIES WOULD HAVE HAD A RIGHT TO LITIGATE DISPUTES THROUGH A COURT AND TO HAVE A JUDGE OR JURY DECIDE THEIR CASE, BUT BOTH PARTIES WOULD HAVE HAD A RIGHT TO LITIGATE DISPUTES THROUGH A COURT AND TO HAVE A JUDGE OR JURY DECIDE THEIR CASE, BUT BOTH PARTIES BY ENTERING INTO THIS AGREEMENT CHOOSE TO HAVE ANY DISPUTE RESOLVED THROUGH BINDING INDIVIDUAL ARBITRATION.  OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT MAY NOT BE AVAILABLE OR MAY BE MORE LIMITED IN ARBITRATION, INCLUDING YOUR RIGHT TO APPEAL.

RIGHT TO REJECT ARBITRATION

YOU HAVE THE RIGHT TO REJECT THIS ARBITRATION AGREEMENT, BUT YOU MUST EXERCISE THIS RIGHT PROMPTLY.  You must notify us in writing within sixty (60) days after the date you click-on to “Accept” the Agreement.  You must send your request to:  TrueCredit, 100 Cross Street, Suite 202, San Luis Obispo, CA 93401.  This request must include your 16-digit account number and a clear statement of your intent, such as “I reject the arbitration clause in the TrueCredit Service Agreement.”

In consideration for our willingness to provide you with access to TrueCredit or any services or products through the Site as set forth in the Agreement, you and we agree as follows:

You agree that any dispute, claim or controversy (“Claim”) between you and TrueCredit or its parent, TransUnion, our agents, contractors, employees, officers or assignees, arising out of or relating in any way to this Agreement, your purchase and use of a TrueCredit product or use of this Site, including, without limitation, tort and contract claims, claims based on any federal, state or local statute, law or regulation and the issue of arbitrability must be resolved exclusively by binding arbitration, except for the validity, scope or enforceability of this Arbitration Agreement.  However, we will not demand arbitration pursuant to this Arbitration Agreement in connection with any individual Claim that you properly file and pursue in a small-claims court of your state or municipality, so long as the Claim is pending only in that court.

YOU UNDERSTAND AND AGREE THAT NO CLAIM, DISPUTE OR CONTROVERSY MAY BE CONSOLIDATED WITH A DISPUTE OF ANY OTHER PERSON IN ARBITRATION, OR RESOLVED ON A CLASS-WIDE BASIS BY A CLASS ACTION OR OTHER PROCEEDING AND YOU HEREBY WAIVE YOUR RIGHT TO COMMENCE OR PARTICIPATE IN ANY SUCH COLLECTIVE OR REPRESENTATIVE PROCEEDING.  Unless a different procedure is required by applicable law, the arbitration will be conducted before a single arbitrator in accordance with the rules of the American Arbitration Association (“AAA”), including the AAA’s Supplementary Procedures for Consumer-Related Disputes.

A demand for arbitration under this Arbitration Agreement may be made either before or after a lawsuit or other legal proceeding begins.  However, any demand for arbitration that is made after a lawsuit or other legal proceeding has begun must be made within 90 days following the service of a complaint, third-party complaint, cross-claim or counterclaim or any answer thereto or any amendment to any of the above.

You understand and agree that before you take a dispute to arbitration under this Agreement, you must first contact our customer account representatives and give us an opportunity to resolve this dispute.  Similarly, before TrueCredit takes a dispute to arbitration, we must first attempt to resolve it by contacting you.  If the dispute cannot be satisfactorily resolved within sixty days from the date you or TrueCredit is notified by the other of a dispute, either party may then contact the AAA in writing and request arbitration of the dispute.  Information about the arbitration process and the AAA’s arbitration rules and its fees are available from the AAA on the Internet at http://www.adr.org.

The cost of any arbitration proceeding shall be divided as follows:
· If you initiate arbitration, you will be responsible for paying one half of the filing fee, or $125.00, whichever is less, when the demand for arbitration is made.
· If we initiate arbitration, we will be responsible for paying all arbitration costs.
· Regardless of who initiates the arbitration, you will not be responsible for any arbitration fess that exceed one half of the filing fee, or $125.00, whichever is less, or the fees that you would have incurred if the Claim had been brought in court.

Notwithstanding the foregoing, if you believe the cost of arbitration may be too burdensome, you may seek a waiver of the filing fee under the applicable arbitration rules.  If you seek, but not qualify for such waiver, we will consider a written request from you to advance all or part of the filing fee.

The arbitration will be based only on the written submissions of the parties and the documents submitted to the AAA relating to the dispute, unless either party requests that the arbitration be conducted using the AAA’s telephonic, online, or in-person procedures (additional charges may apply for these procedures).  Any arbitration proceeding will take place at a location within the federal judicial district that includes the most recent U.S. Mail address we have on file for you at the time the Claim is filed or at any other mutually acceptable location.

The arbitrator will be required to follow relevant law and applicable judicial precedent to arrive at a decision and shall be empowered to grant whatever relief would be available in court.  Where authorized by applicable law, the arbitrator’s award may include attorneys’ fees and other expenses.  You understand and agree that you and TrueCredit are entering into this arbitration agreement in connection with a transaction involving interstate commerce.  Accordingly, this arbitration agreement and any proceedings hereunder shall be governed by and enforceable under the Federal Arbitration Act (“FAA”), 9 U.S.C. §§1-16.

Any party to the arbitration proceeding may enter judgment upon the arbitration award in any court having jurisdiction over the arbitration award and may have that judgment enforced by any court having jurisdiction over that judgment.  If this Arbitration Agreement is held to be invalid or otherwise unenforceable for any reason, it will be severed from the Agreement and the parties agree that exclusive jurisdiction and venue for any claims will be within the federal judicial district that includes the most recent U.S. Mail address we have on file for you at the time the Claim is filed or at any other mutually acceptable location.

BECAUSE YOUR PURCHASE AND USE OF A TRUECREDIT PRODUCT OR USE OF THIS SITE REQUIRES THAT YOU CONSENT TO ARBITRATION OF YOUR CLAIMS OR DISPUTES, YOU WILL NOT HAVE THE RIGHT TO PURSUE YOUR CLAIM IN COURT OR BEFORE A JUDGE OR JURY OR TO PARTICIPATE IN A CLASS ACTION OR ANY OTHER COLLECTIVE OR REPRESENTIVE PROCEEDING.  OTHER RIGHTS THAT EITHER PARTY WOULD HAVE IF THAT PARTY WENT TO COURT, INCLUDING WITHOUT LIMITATION THE RIGHT TO CONDUCT DISCOVERY OR TO APPEAL, MAY BE LIMITED OR UNAVAILABLE IN ARBITRATION.

The arbitrator’s decision shall become final and binding after 30 days unless a party to the arbitration takes an appeal from the decision by making a written request to AAA. The appeal panel, which will consist of three arbitrators, will consider all factual and legal issues anew, will conduct the appeal in the same manner as the initial arbitration, and will make decisions based on the vote of the majority.  We will advance any fees and costs required by AAA to commence any appeal.  The appeal panel’s decision shall be final and binding.

In the event of a conflict between the applicable arbitration rules and this Arbitration Agreement, this Arbitration Agreement shall govern.  To the extent that the class action and collective action waivers contained herein are rendered invalid or unenforceable by applicable law as to any Claims, this Arbitration Agreement shall not apply to such Claims and thus we may elect to proceed exclusively in court.  If any other provision of this Arbitration Agreement should be found invalid or unenforceable, such a determination shall not affect the enforceability of the remaining provisions, which shall remain and continue in full force and effect.

Miscellaneous

This Agreement constitutes the entire agreement between the parties hereto pertaining to the subject matter hereof, and any and all written or oral agreements heretofore existing between the parties hereto are null and void.

If any portion of this Agreement is deemed invalid or unenforceable by a court of competent jurisdiction, the remaining portions will remain valid, enforceable, and carried into effect, to the fullest extent permissible. Any rights not expressly granted herein are reserved.

You represent that you have read this Agreement and TrueCredit’s Privacy Statement, understand their terms, and agree and intend to be legally bound by them. You acknowledge that, in providing you access to and use of the Site and your membership, TrueCredit has relied on your agreement to be bound by the terms of this Agreement.

TrueCredit PRIVACY POLICY

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		TrueCredit Privacy Statement TrueCredit is firmly committed to respecting the consumer’s right to privacy and has created this privacy statement to demonstrate our commitment. Last updated August 17, 2010. The Information We Collect from You TrueCredit allows you to access your credit report and related information conveniently and affordably through our Web site. We collect your personal information only if you decide to purchase one of our products or services, participate in our affiliate program, subscribe to our newsletter, participate in one of our contests or surveys or transact other business with us. In order to process your transactions and provide you with quality customer service, we need your full name and current and/or billing address, your email address (so we can contact you) and, if you purchase one of our products or services, a valid credit card number, your Social Security number and certain other personal information, such as your date of birth, address information, employment information, and certain credit card and loan account information. We use personal information to authenticate the credit card number and to confirm that the person requesting your credit report really is you and not an impostor or other person improperly seeking to access your information. What Security Measures We Take TrueCredit takes precautions to secure your personal information. If and when we ask you to provide your personal information, we will do so through a Web page that uses the Secure Sockets Layer (SSL) protocol. This protocol provides security for your information by encrypting it as it travels from your computer to our computer. For security purposes we then move all of the personal information that we collect or obtain about you, including your credit report, to an environment on our proprietary network that has controls in place to limit access to and secure the data maintained therein. For more information about our security practices, please review our Security Policy at http://www.truecredit.com/policy/security.jsp. How We Use and Share Your Personal Information If you indicate to us that you are interested in receiving information regarding other products and services your name and e-mail address may be shared with a third party in order to present these offers to you. Personal information that is shared with these entities will be monitored in accordance with our security and confidentiality policies. If you prefer not to receive such information, you may indicate your preference by marking the appropriate box when you register, place an order or update your account information, and TrueCredit will not send you any promotional materials. Emails When you order an online credit report, it will be available for your review for a period of up to two years or until you update your report. As a service to you, we will email you a receipt of your purchase. Some of our membership products, such as Credit Monitoring, may also include alert emails that are sent on a daily, weekly or monthly basis. These emails are part of the membership benefits and cannot be disabled for persons who are members of these products. Ordering When you order a credit report or other product or service, TrueCredit must share some of your personal information with third parties in order to process your transaction. For example, TrueCredit must share your name, address and social security number with one or more of the major credit reporting agencies in order to obtain your requested credit report, and must share your name, address and credit card account number with our credit card processing partner in order to process your payment. These third parties are not allowed to use personally identifiable information except for the purpose of providing these services. Third Parties If you indicated to us when you registered, placed an order or updated your account that you were interested in receiving information about products and services provided by TrueCredit, your name and email address may be shared with a third party in order to present these offers to you. These entities are only allowed to use shared information for the intended purpose only and will be monitored in accordance with our security and confidentiality policies. In the event you indicate that you want to receive offers from TrueCredit, your information may be used to serve relevant ads to you when you visit the site. TrueCredit also may disclose your personal information to third parties in the good faith belief that such action is necessary in order to comply with, or be responsive to, legal process served on us (such as a subpoena), or if we believe such disclosure is necessary to protect and defend the rights, property or safety of TrueCredit, our users or others. In addition, we may disclose your personal information to consultants, agents and advisors, such as attorneys and accountants, in the good faith belief that such disclosure is within the scope of their professional duties to TrueCredit and with the understanding that such professionals will abide by our security and confidentiality policies. In the event that you unsubscribe from email communications, we may share your email address with our compliance agents or approved marketing partners to prevent you from receiving additional offers. The Collection of Anonymous Data In order to enhance the usefulness of our Web site and our products and services, TrueCredit will collect data about our customers’ use of our Web site, in a manner that does not include any personally identifiable information. While you browse the TrueCredit Web site, we note which pages of our site you visit and note the IP address of your computer (as all Web sites do automatically), but we do not link that address information to your personal information. The general information we gather enables us to serve our customers better by continually enhancing our site based on up-to-date use patterns. Information Regarding Your Subscription We may use information about your Credit Monitoring subscription, such as your usage patterns, to customize your web site and/or customer service experience. Updating Your Personal Information and Email Preferences You can correct or update at any time the personal information that you provided and that we maintain on you by accessing the TrueCredit Web site and selecting “Account Preferences” from the Main Menu. You can also indicate your preference not to receive promotional email from this screen. TrueCredit is not responsible for and cannot amend the information in your credit report, which is produced by one or more credit reporting agencies. If you believe that some of the information in your credit report is inaccurate, you must contact the applicable credit reporting agency directly. Information on how to contact the credit reporting agency will be contained in the credit report that you receive if you purchase. In addition, Information about how to contact the three major credit reporting agencies is available under “Disputing Your Credit Information” on our Web site at http://www.truecredit.com/help/handlingInaccuracies.jsp. TrueCredit Newsletter You may sign up for our free monthly newsletter in one of two ways. First, you may enter your email address in the “Free Newsletter” field on our homepage, or on an affiliate’s page. Second, our newsletter will be emailed to you if you select the “Yes, I want to know about special offers from TrueCredit” opt-in box during the ordering process. If you entered your email address into a “Free Newsletter” field, you can opt-out of receiving the email by responding to the newsletter and asking to be unsubscribed, or calling our customer service department and asking to be taken off the list. If you signed up for our newsletter by selecting the special offers opt-in box during the ordering process, you may unsubscribe through the above two processes, or you may go to www.truecredit.com, log-in as a member, click on the “Account Preferences” link, and de-select the special offers opt-in box. Notification of Changes to this Privacy Statement TrueCredit may amend this Privacy Statement at any time, but will notify users in advance of any material change, by posting a notice of the change in a prominent position on the home page of the TrueCredit Web site. If the amendment would permit us to share your personal information with third parties in a manner materially different than described in this Privacy Statement, unless required by law or court order or in order to safeguard the operations of our site or our customers, you will be given an opportunity to inform us that you do not consent to such sharing of your personal information. Possible Acquisition In the event of an acquisition of all or part of TrueCredit by another company, or in the event that TrueCredit were to sell or dispose of all or a part of the business, the acquirer would have access to the information maintained by the TrueCredit business, which could include your personal information, subject to applicable law. The acquirer’s privacy policy might be different than TrueCredit’s privacy policy, or the acquirer might choose to amend TrueCredit’s privacy policy. You will be notified by email if, as a result of such acquisition, TrueCredit’s privacy policy is materially changed or if the acquirer’s privacy policy is materially different than TrueCredit’s privacy policy. In connection with such notice, you will be given an opportunity to inform the acquirer that you do not consent to the use or disclosure by the acquirer of your personal information in accordance with such new or revised privacy policy. If you would like at any time to review our then-current Privacy Statement, please visit http://www.truecredit.com/policy/privacy.jsp. The Use of Cookies TrueCredit uses “cookies,” which are pieces of information that a Web site transfers to your computer’s hard disk for record keeping purposes, to facilitate your access to our products and services. TrueCredit uses cookies in accordance with industry-standard protocols, and does not use cookies, either directly or in conjunction with other Web sites, to track your movement to Web sites other than TrueCredit. If you would like more information about cookies, you can visit http://www.cookiecentral.com/n_cookie_faq.htm. TrueCredit uses two different types of cookies. One type of cookie is used so that our site “recognizes” you each time you return using the same computer, and you do not have to re-enter all your personal information on each visit. You can set your Web browser to refuse to accept this cookie, or delete this type of cookie from your hard drive, and still access our products and services, as long as you re-enter information each time you visit. The second type of cookie is needed so that we can process each step of your transactions with us. If you refuse to accept this type of cookie, you will not be able to access our products and services. Most Web browsers automatically delete this type of cookie when you terminate your session. We may use third-party advertising companies to serve ads on our site or on other sites which we use for advertising. These companies may employ cookies and action tags (also known as single pixel gifs or web beacons) to measure advertising effectiveness; and they are not authorized to use the information we share with them for any other purpose. Any information that these third parties collect via cookies and action tags is completely anonymous. If you would like more information about this practice and your choices, click here. Links to Other Web Sites Some pages on the TrueCredit Web site may contain links to other web sites. Please note that when you click on one of these links, you are moving to another Web site. We encourage you to read the privacy statements of these linked sites as their privacy policy may differ from ours. Tell-A-Friend If a user elects to use our referral service for informing a friend about our site, we ask them for the friend’s name and email address. TrueCredit will automatically send the friend a one-time email inviting them to visit the site. TrueCredit does not store this information; it is used for the sole purpose of sending this one-time email. Policy Regarding Children We define children as individuals under the age of 16. Our Web Site is not intended for the use of children and we do not intend to collect information about children through our Web Site. You must be at least 18 to access any products through this website or to join TrueCredit as a member entitled to membership benefits. TrueCredit TrueCredit is a trade name of TransUnion Interactive, Inc., a Delaware corporation based in San Luis Obispo, California.			To learn more about healthy credit management, visit the TrueCredit Learning Center

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	TrueCredit features TransUnion data for all complimentary credit scores as well as fraud-watch emails. TrueCredit.com is powered by TransUnion Interactive, a wholly owned subsidiary of TransUnion. © Copyright 2010 TransUnion Interactive. All Rights Reserved.

The reports are now $19.95 and what a ripoff it is!  They still don’t even include the names of collectors so you can not dispute collections unless you get additional credit reports from the credit bureaus directly.

You only need to review your myFICO credit reports if you are actively working on your credit or you are about to apply for a mortgage.

And they still offer the FREE 10 day trial for the Equifax credit monitoring service with the free report — don’t forget to cancel!

Please post if you find any new working coupon codes.

As always, don’t buy ANY of their other products. They are NOT worth  paying for and their “FREE” offers can be VERY DANGEROUS!

ID THEFT ALERT

During the order process myFICO might offer to “match” you with 4 lenders.  Their “matching” means SELLING your info for big bucks to the highest bidders.

Do NOT let myFICO or ANYONE else match you with Lenders!

ID theft ALERT!!!

Your information will be SOLD to the highest bidder (the highest bidders are usually CRIMINALS) and your personal identifying and financial information will quite likely be RESOLD and RESOLD again and again.

This is one of THE most likely ways to become an ID theft victim.

ALL these ads you see all over the web with promises of incredibly low interest rates and bailout programs that don’t even exist are placed by LEAD GENERATORS who sell all your info (often your entire credit report) to the highest bidders for about $40 to $100.  The LEAD GENERATOR (myFICO, Experian, Trans Union, TrueCredit, Equifax, LowerMyBills.com, LendingTree.com etc. etc. etc.) can actually make a profit of several hundred dollars from EACH sucker who agrees to receive the “free service.”

The $30/month subscription is a giant RIP-OFF.

I recommend this report ONLY for the $1 trial with the immediate cancellation.

Who is Credit Adapter?

The FAQ discloses that they are Adaptive Marketing.

The Privacy Policy lists two IL addresses, but I could not find anything on Credit Adapter or Adaptive Marketing at the Illinois Secretary of State online business listings.

Adaptive Marketing LLC is, as the name suggests, a company specializing in marketing.  They sell just about any worthless service you can imagine:

Adaptive Marketing – LLC Site Map

They will sell your info, spam you with offers for useless services and memberships and just like Trans Union’s TrueCredit, they try very hard to get you to sign up for all kinds of crappy credit offers.  If you read the fine print, you won’t fall for their deceptive ads.  Since few people have the time to read, I’m sure they’re a very profitable outfit.

It is difficult to get the tri-merged credit summary.

After you sign up, you get your user ID.  You then have to log in with your ZIP code and they assault you with deceptive credit offers.

Click on “No thank you” until you see Reports in the top menu and then you have to sign up AGAIN to get your tri-merged credit summary:

The INCOMPLETE  tri-merged “credit report” is provided by TrueCredit (Trans Union owned.)

Some of the MOST important data such as the Equifax Date of Last Activity, the Experian Date of Status and the Trans Union Date Closed are NOT provided.  Also missing are dispute notations, scheduled deletion dates, most credit inquiries and lots of other important data.

Of course that’s a feature of all CONSUMER tri-merged (3-in 1, etc.) “reports”.  They should be called credit SUMMARIES as they are NOT credit reports.

MORE Credit Adapter LIES – NO unlimited reports

From the signup page:

All 3 FREE Credit Scores — unlimited online access to all 3 of your Credit Scores — one from each credit bureau (Trans Union, Equifax and Experian). [emphasis added]

From the FAQ:

… Through unlimited access to your 3-in-1 Credit Report and Score, which merges your credit information from all three credit bureaus into one easy-to-read report, you can quickly and easily check to ensure that your private information is accurate and up-to-date. … [emphasis added]

They fail to mention that you have unlimited access to ONE OLD credit report, as disclosed AFTER you sign up (click on the screen shot above) .  So don’t expect to get a NEW report unless you’re willing to pay mega bucks or WAIT until you’re eligible for your ONCE A MONTH free report.

The worthless Trans Union “FAKO” credit scores.

The credit scores provided are NOT used by lenders.

Trans Union designed these credit scores to DECEIVE consumers.

These credit scores have nothing to do with the FICO scores, used by MOST lenders and required for most mortgages.

Trans Union also provides DIFFERENT reasons for the low scores than myFICO.  They attempt to have consumers ignore problems they could address and to take actions that will LOWER their credit scores.

Most important:  They do NOT include disputed accounts:

From the “Additional Information” at the bottom of the page with the scores:

… Also, disputed items are not incorporated in the assessment of your credit score. …

HOWEVER,  the FICO scores used by CREDITORS include disputed collections.

Credit bureaus stop at nothing to keep consumers ignorant — the lower the “real” FICO scores, the more profitable consumers are for the credit bureaus and their clients, the bankers and collectors.

Consumers with low scores apply for credit more often because they are turned down (credit report sales to creditors) and those consumers are much more likely to purchase new reports and to pay for credit monitoring.  Additionally, low scorers are targeted by subprime lenders who also purchase “leads” from credit bureaus.

It never ceases to amaze me how the credit bureaus excel at deception and misrepresentation and the regulators CONDONE this fraud.

So what is this $1 Credit Adapter report good for?

The Credit Adapter tri-merged report is NOT suitable to improve your credit scores.

You need to review the myFICO reports, score factors and the COMPLETE reports provided by the credit bureaus if you’re serious about your credit.

This tri-merged “report” provides a SUMMARY of your accounts.

I prefer tri-merged summaries for clients who are NOT interested in improving their FICO scores, but need to dispute or settle multiple collections and only need a summary of the accounts.  It takes a lot more time to review 3 complete reports (of course the account ORDER is different for each  bureau) than to review the summary.

My client has been dealing with a Paragon collection.  We needed to see whether they report and to which bureaus.  They are only reporting to Trans Union and he should obtain the Trans Union COMPLETE report after Paragon has received his dispute.

We also checked to see whether Citibank still owns his charged off accounts.  Since they report the balances and there is no notice of transfer or sale, it is likely that Citi still owns the accounts.  The only way to find out for sure is to contact Citi, as they sometimes “forget” to update with the credit bureaus.

So if you need a cheap credit summary, this is one of many tri-merged reports to use as long as you CANCEL before they charge you.

The ID Theft Resolution SCAM

Credit Adapter does not specify what exactly this service is, but only very few people need assistance with resolving ID theft.  NONE of these services can prevent ID theft and if they add a fraud alert to your credit report (which you can do yourself and free of charge), you might be DECLINED for credit when you apply.

Anyone with half a brain ought to be able to complete the FTC fraud affidavit and mail it to creditors.  NO service can do this FOR you.  You may also have to report the ID theft to the police.  It’s not a big deal, in some areas they’ll even come to your home or office to write up the report.  Again, it’s for YOU to do, not some ID theft service.

The FTC free instructions and the link to the affidavit:

http://www.ftc.gov/opa/2002/02/idtheft.shtm

You have NO liability for charges incurred due to ID theft.

Canceling the service

Do NOT forget to cancel within 7 days or your account will be charged $30.

It’s best to cancel right after you SAVE the report, best in web archive (.mht) format.

You can also cancel by telephone:

… you can call Credit Adapter toll-free at 1-800-492-3042 …

However, I STRONGLY recommend canceling online.

If you call, you are likely to incur future charges and/or they’ll try hard to get you to keep this WORTHLESS service. Nobody needs to pay for these incomplete reports, FAKE credit scores and identity theft protection.

Cancel by email — it’s quick, easy and you get PROOF of cancellation. Of course save the cancellation email.

And you might want to opt out of future marketing:

How do I opt out of receiving future marketing e-mails?

Sign on using your membership ID number, visit our Contact Us page, select “Unsubscribe to future marketing” from the drop-down menu, and email us your request. Please be sure to include your name and membership ID number as well as the email address you would like us to remove from our distribution list.

And next time you need a cheap / free credit summary, simply order from a different company – check the ads here for offers.

Next, I recommended paying $10.50 for the Trans Union online report.  Again, she got declined. She called and was told that she could not get her report because Trans Union is currently investigating.  Unfortunately, she had signed up with a credit repair company and we don’t even know what was disputed.

So as a last resort, I asked her to order the TrueCredit report and while she is a paying subscriber, she also could NOT get her (incomplete) Trans Union report there.

Finally, she ordered the worthless tri-merged report at TrueCredit and she received that.  But of course it does not contain the scheduled deletion dates and not even the so important Date Closed.

It is incredible how powerful the credit bureaus have become.  Last week I filed my response to the Trans Union / TrueCredit motions to dismiss my claims relating to their refusal to provide credit reports as required  by law.  I’ll post everything ASAP, been very busy.

There’s no way that I will prevail against these powerful corporations, but at least I can spread the word and alert you all to their FRAUD.

I did NOT see the offer for the 30-day ScoreWatch trial with 2 Equifax myFICO reports free just for trying it.

To order the 1-year subscription, go to https://www.myfico.com/SystemAccess/a/createprofile.aspx?Product=2016 to create an account at myFICO or log in if you already have an account and then order.

Coupon code: SCOREWATCH20

And please read FICO Credit Scoring BASICS for details about credit scores and why you should ignore the OTHER (credit bureau) scores.

View the screen shot of the Experian front page with the TOTALLY FALSE advertisement.

$1 for a credit report sounds like a great deal!

However, it’s just another credit bureau SCAM.

I clicked to order my “$ 1″ report and filled out my personal info:

Screen shot — still looks great!

The next screen revealed the ugly truth:

There is NO $1 credit report, but you’re signing up for a $14.95 MONTHLY SUBSCRIPTION — unless you cancel within 7 days.

How hard is it to cancel?

VERY HARD.  I’ve had many clients complain that they were put on hold for a long time, they were disconnected, etc.

But that’s not the only scam, there’s MORE:

The reports are actually provided by Experian-owned ConsumerInfo.com.  The reports they provide are INCOMPLETE and contain LESS than half the data on the “real” Experian report.

In fact, they don’t even contain the EXPERIAN REPORT NUMBER — required to dispute by telephone and to get FREE reports at its site for 90 days.

Yup, that’s no typo.  Once you have a report number, you can get your almost complete Experian disclosure for 90 days at its site. Just click on the link to “Review Report Again” on the bottom of their front page.

The Experian report number is on all investigation results.   And you can also get it by PRETENDING to want to dispute online if you actually sign up for this scam.

So if you don’t already have an Experian report number (no older than 90 days) — and you don’t mind going through the hassle of canceling — sign up, get your free report, pretend to want to dispute online, get the “real” Experian report with the report number and then cancel right away.

WARNING:

Ignore the Experian credit scores.

They are NOT the scores most lenders are using — get your FICO scores if you NEED scores.

You can’t get your Experian FICO scores at myFICO.com anymore because they make even less sense than the Trans Union and Equifax scores.  The Experian credit reporting data is so flawed by DESIGN and they’d have to completely change their data fields — more on that another time.

Just IGNORE all Experian scores unless you get a copy of your mortgage credit report.

Why is Experian advertising this “limited time” offer?

It might have to do with new FTC regulations regarding these scams.  I haven’t read through the 22 pages of small print yet, but noticed extensive discussion of the “free” credit reports and the many consumer complaints.  The regulations will be effective 4/2/10 and I hope to soon find the time to go through this document.

Experian v. LifeLock – why do people fall for ID theft insurance scams?

Notably, GOLDMAN SACHS is supposed to have funded this fraud with $25 million. 

LifeLock Class Action

LifeLock Consumer Fraud | False Advertising

Is Your Identity REALLY Protected ??

This site has been established to provide a way for those interested in obtaining information about, or participating in, the recent Class Actions that have been filed against LifeLock by Marks & Klein, LLP.
»» Read more.

The proposed class action law suits address the deceptive business practices and fraudulent advertising campaign employed by LifeLock through which it has induced nearly one million individuals into subscribing to the identity theft protection services the company claims to provide.

In actuality, however, the services and one million dollar service guarantee offered by LifeLock are not what they seem and do not provide the level of protection that is advertised in its deceptive marketing campaign.

Presently, Marks & Klein, LLP has filed class action lawsuits against LifeLock on behalf of subscribers in New Jersey, Maryland, West Virginia, Florida and California.

If you are a Lifelock subscriber who resides in any of the above states and is interested in participating in an existing class action, or a resident of any of the other United States and would like information about bringing a class action against LifeLock in your state, please fill out this form.

This is not an advertisement.

Of course LifeLock isn’t the ONLY scam and I would NEVER waste my money on ANY ID theft protection service. 

The credit reports they provide are INCOMPLETE and practically worthless.

There are many millions of suckers with cash to blow and the CREDIT BUREAUS are taking a huge cut of this EXTREMELY lucrative business.

As always, the FTC is asleep at the wheel.

In fact, they terminated my affiliate account many years ago due to my factual reporting of buggy formulas and scores that simply don’t work as myFICO claims.

MyFICO even ADDED entirely fictitious 120+ day LATE PAYMENTS to Equifax reports and it refused to fix their formulas — they’ll do whatever they can to produce the lowest FICO scores possible so that their “clients”, the creditors, can charge the HIGHEST rates and fees.

Please be aware that the myFICO reports are INCOMPLETE and are missing lots of data, including MOST credit inquiries, creditor addresses and, on the myFICO Equifax, they won’t even provide the collectors’ NAMES.  Only the data on the myFICO reports is utilized in FICO scores.  That’s why you should NOT dispute data ONLY on the bureau reports if you want higher FICO scores.  You’re more likely to get deletion of VALUABLE accounts and you will NOT change FICO scores by correcting data that’s not utilized in their calculations.

Details are at my website CreditLegislation.org, closed for years as the wowBB software stopped working.  I hope to soon find the time to repost the updated information here.

Despite all the problems with myFICO credit reports, you NEED them to IMPROVE your FICO scores.

There is NO way for me to make recommendations to clients who need to improve FICO scores without analyzing the FICO SCORE FACTORS. Some free information is at my CreditFactors blog and if you’re serious about your credit and scores, make a $50 donation to Liars and Cheats Exposed and get a free 6-months CreditFactors subscription.

As of right now, the 30% myFICO discount is NOT announced at their website. To receive the 30% discount, go to myFICO and add at the checkout:

Coupon code: myFICOis9

FICO Standard®
was $15.95
now just $11.17

Suze Orman’s FICO Kit Platinum®
was $49.95
now just $34.97

However, the BEST DEAL:

You can get two Equifax myFICO reports FREE if you sign up for the FREE Score Watch TRIAL.

You might want to purchase the Suze Orman Kit for Trans Union and for additional reports by 3/31/10 (you can order the purchased reports later) if you’re actively working on your credit to improve FICO scores.  And speaking of Suze Orman, please do NOT follow her horrible advice and do NOT use the fake score simulators.

For more information, please read my 2004 analysis of Suze Orman’s HORRIBLE advice:

The Suze Orman FICO Kit FRAUD.

When I write about deplorable human beings like Suze Orman, I always wonder how they can be so incredibly incompetent and/or corrupt.  Could she be so stupid and NOT know that FICO scores are a total fraud?  I suppose the myFICO compensation makes up for knowing that she destroys so many lives.

Purchase the myFICO reports at the lowest possible price if you really need to improve your FICO scores, but don’t waste your money just to see what your FICO scores are.

https://www.annualcreditreport.com/cra/index.jsp

IMPORTANT:  The time for credit bureaus to investigate DISPUTES is extended to 45 days.

So if you’re facing a deadline and you need corrections quickly, do NOT order the free annual reports.

Prepare to answer their SECURITY questions correctly.

The best way to do this is to already HAVE their credit report.

Often you’ll have to admit or deny whether you have a mortgage or car loan from a certain creditor or they provide a listing with several lenders.

Don’t think that it’ll have to be one of those creditors, check NONE OF THE ABOVE if you don’t recognize the name.  BUT, be aware that many banks have been SOLD and even closed accounts are sold and reported by NEW lenders — without any notice to you.  And to make it even more difficult, a creditor can report under different names to each credit bureau.

Be prepared to NOT receive the reports due to their inability to verify your identity.

That’s easy to fix if money is no issue:  at least 90% of my clients who were declined the free reports had NO problem PURCHASING the credit reports.

TRANS UNION WARNING:

You will be prompted to disclose LOTS of information about your interests (don’t do it!) and you will be bombarded with advertisements for the most deplorable debt settlement and finance companies.

The Trans Union reports are NOT complete.  I will elaborate in more detail as I write about my lawsuit against Trans Union and its subsidiary TrueCredit.  There is currently no way to get a COMPLETE credit report from Trans Union unless you dispute.  The INVESTIGATION RESULTS contain information NOT on the free annual reports.

From https://www.annualcreditreport.com/cra/helpfaq#creditfile

What is a credit file disclosure or a credit report?

A credit file disclosure, commonly called a credit report, provides you with all of the information in your credit file maintained by a consumer reporting company that could be provided by the consumer reporting company in a consumer report about you to a third party, such as a lender. A credit file disclosure also includes a record of everyone who has received a consumer report about you from the consumer reporting company within a certain period of time (“inquiries”). The credit file disclosure includes certain information that is not included in a consumer report about you to a third party, such as the inquiries of companies for pre-approved offers of credit or insurance and account reviews, and any medical account information which is suppressed for third party users of consumer reports. You are entitled to receive a disclosure copy of your credit file from a consumer reporting company under Federal law and the laws of various states.

Until Bush  took office in 2000, the FTC relentlessly sued Trans Union for illegal use of credit data for MARKETING.

I’m not sure when Trans Union added advertisements to the credit reports, but it’s been years and NOTHING has changed under Obama.

One reason I decided to start this blog is to document the extraordinary corruption of our governments and regulators and to DOCUMENT the credit bureaus’ ILLEGAL practices. I’m sick and tired of my clients who need to improve FICO scores having to order 5 (FIVE!!!) credit reports to get “most” data and then having to PAY ME to review all these reports.

Subscribe to this blog for updates with MANY details about this giant credit reporting fraud.