http://20somethingfinance.com/free-credit-reports/ Personal Finance Blog for Young Professionals Wed, 23 May 2012 01:29:00 +0000 hourly 1 http://wordpress.org/?v=3.3.2 http://20somethingfinance.com/free-credit-reports/comment-page-1/#comment-55485 Pat L. Wed, 11 Apr 2012 20:25:57 +0000 http://20somethingfinance.com/blog/2008/01/23/what-is-a-credit-report-and-how-do-i-get-mine-for-free/#comment-55485 I also requested a FREE credit report from Experian. As you, I was pleased and thought all was well. I (unlike you - sadly) do not check my accounts on line; when my charge card came in, there was a charge for $19.95 from Experian. I immediately thought it was my fault for perhaps checking something I shouldn't have. The next month there was another $19.95 charge from Experian. The bill came as I was taking my bags to the car to go away. I placed the bill on the table with the intention of taking care of it upon my return a couple weeks later. It went by the wayside, until the next months bill came in and there was yet another charge. I called the company, very annoyed now, and they were as nice as could be and said they were only allowed to remove two of the monthly charges. I asked how this could happened, because I didn't recall requesting anything but the FEE credit report. He didn't know, but I was now removed and it wouldn't happen again. I wonder how many unsuspecting, was too busy with multiple jobs people have had this happen to them. I am disappointed in Experian. I also requested a FREE credit report from Experian. As you, I was pleased and thought all was well. I (unlike you – sadly) do not check my accounts on line; when my charge card came in, there was a charge for $19.95 from Experian. I immediately thought it was my fault for perhaps checking something I shouldn’t have. The next month there was another $19.95 charge from Experian. The bill came as I was taking my bags to the car to go away. I placed the bill on the table with the intention of taking care of it upon my return a couple weeks later. It went by the wayside, until the next months bill came in and there was yet another charge. I called the company, very annoyed now, and they were as nice as could be and said they were only allowed to remove two of the monthly charges. I asked how this could happened, because I didn’t recall requesting anything but the FEE credit report. He didn’t know, but I was now removed and it wouldn’t happen again. I wonder how many unsuspecting, was too busy with multiple jobs people have had this happen to them. I am disappointed in Experian.

]]> http://20somethingfinance.com/free-credit-reports/comment-page-1/#comment-53851 Ari' Tue, 28 Feb 2012 18:40:36 +0000 http://20somethingfinance.com/blog/2008/01/23/what-is-a-credit-report-and-how-do-i-get-mine-for-free/#comment-53851 I used the annualcreditreport.com recently to obtain my credit report from Experian. Initially I was quite pleased. I got a great report with what appeared to be no strings attached, and was never asked to put in any credit card information. I was offered to pay for an account to see the actual score, but simply declined. That was last week. Today, however, I was routinely checking my accounts when I found a pending pre-authorization charge from Experian dated yesterday. I immediately called my bank and they said since I had not authorized any transactions and that it took place about a week later than I visited the site that my information was probably compromised and that I needed to cancel my current card while they took care of the un-authorized charges. I'm a little unsettled by the fact that the charge placed to my account was to Experian only a week after visiting their site. I checked all my other accounts and everything seems to be fine with them. Has anyone else had this happen? I entered absolutely no credit card info while on the site and was not notified of any authorizations that would take place, nor did I authorize any payments to them. I used the annualcreditreport.com recently to obtain my credit report from Experian. Initially I was quite pleased. I got a great report with what appeared to be no strings attached, and was never asked to put in any credit card information. I was offered to pay for an account to see the actual score, but simply declined. That was last week. Today, however, I was routinely checking my accounts when I found a pending pre-authorization charge from Experian dated yesterday. I immediately called my bank and they said since I had not authorized any transactions and that it took place about a week later than I visited the site that my information was probably compromised and that I needed to cancel my current card while they took care of the un-authorized charges. I’m a little unsettled by the fact that the charge placed to my account was to Experian only a week after visiting their site. I checked all my other accounts and everything seems to be fine with them. Has anyone else had this happen? I entered absolutely no credit card info while on the site and was not notified of any authorizations that would take place, nor did I authorize any payments to them.

]]>