Tuesday, August 5, 2008

What is it about free that they don't understand?

I'm sure you have all heard of and seen the commercials for Free Credit Report.com. I happened to be one of many people who tried it out about 8 months ago or so. It was great to actually see my credit report and that it was so good. Little did I know that they would be charging me 8 months or so later for 14.95. I found out after I called Triple Advantage, who are the ones behind Free Credit Report, that it was due to me not ending my account after the 30 day free trial. Well, I never remember even reading such a thing when signing up for the thing and it wasn't like I really got any real updated information when I checked back with it anyways!

So what did I do to rectify this situation. I google searched Triple Advantage and I found this review on knowzy http://www.knowzy.com/Personal_Finance/Credit/Credit_Monitoring_Is_A_Rip_Off-StepByStep-Canceling_CIC_TripleAdvantage.htm#1CallCIC. It gave me all the knowledge I needed, not only to cancel my account with them but to also get a refund for what I was wrongly charged for!!! So I called them up and the first thing that I said was that I would like to have my account cancelled. Then this guy started spouting out all this information about stolen credit card information and how I needed to stay with them. He then told me that he would keep it active after I just told him that I wanted it cancelled. I came back with, "I want it cancelled and I want a refund as well." "Well sir," he says, "I can cancel your account but we have a strict 'no refund' policy." This was clearly a lie because the review told me about their 3800 complaints to the Better Business Bureau concerning these charges that should not be made on a "free credit report." I told this guy what I knew about that and he kindly told me he would cancel my account and refund me for the month's charges that they WRONGLY charged on my credit card! Just say the magic words of "Better Business Bureau" and they are almost willing to do anything to appease you. That was a fun time.