Credit check reports Bakersfield

Credit monitoring and alerts can be useful services, but not for everyone. Many years ago, someone I knew had her identity stolen and damaged by her father and she locked down her credit. If you believe youre more at risk for identity theft than average, credit monitoring could give you peace of mind. If youve had your identity stolen, credit monitoring is the minimum you should do to protect yourself. When you sign up, you will be charged or debited with a refundable $1 processing fee, credit check reports Bakersfield and youre reminded in very small credit check reports Bakersfield print that youll need to cancel within credit check reports Bakersfield seven days to avoid the $19.95 charge.

In order to cancel, GoFreeCredit provides a phone number to call, but you should also be able to cancel by accessing your account online. I went through this process, and this is credit check reports Bakersfield what I experienced. After entering my credit card information to verify my identity, GoFreeCredit presented me with another service to accept or decline. I declined the free Public Records File, another $19.95 trial credit check reports Bakersfield service with a 7-day trial period.

I can easily see customers accepting this deal (using the big button) and not realizing theres an option to decline this extra service. business credit report

After declining, I was provided my membership ID, which I copied to another window on the computer in case I needed it to log into the website later. Continuing, I was brought to another site to create a user name and confirm my identity although the stated purpose for entering my credit card information was to verify my identity in addition to charging the refundable $1 and having a payment method on record if I were to not cancel using my Social Security number.

On the new secure website, CeditScoreComplete, I proceeded to provide the information typically requested to verify my identity, such as old addresses. I noticed at this point at CreditScoreComplete is a service of TransUnion, so while at first this seemed to be an independent third party service, it is actually operated by one of the credit bureaus. The identity confirmation process was easy, and the site quickly provided links to a consolidated credit report and my credit scores. official free credit report The consolidated report was actually very interesting. I could easily see the differences between my reports from the three bureaus, and there was some interesting differences. Each bureau had a different number of open and closed accounts, for one thing. My credit scores had a range of less than 1%, with Equifax being the lowest to TransUnion with the highest, with all scores in the Very Good range, the highest in GoFreeCredits evaluation. The score listing also included tips from each of the bureaus for improving my score, and each bureau offered different suggestions, like Not Enough Revolving Debt Experience (TransUnion), Too Many Inquiries (Experian), and, Not Enough Premium Bankcards (Equifax). Immediately after reviewing my information, I printed credit check reports Bakersfield out what I wanted to keep, credit check reports Bakersfield and looked for the option to cancel membership something you may or may not wish to do. If the ongoing services are worthwhile to you, then do not cancel.

I did not see any way to access my account information from this location, so I started over. I opened the confirmation email I received and used the link within to log in. I clicked on the My credit check reports Bakersfield Account link at the top of the page and easily found the Cancel Memerbship option. free credit report laws The service warned me there would credit check reports Bakersfield be a waiting period before I would be allowed to check my credit scores for free, but I continued with credit check reports Bakersfield the cancellation. I didnt however, see the option to cancel the $1 refundable credit check reports Bakersfield fee that GoFreeCredit initially charged to sign up, so I will be monitoring my credit card account to see when this is processed.

I will update this review once I have confirmed the three credit scores I viewed for free were, in fact, free. After signing up for GoFreeCredit and canceling my membership, I began receiving repeated phone calls from 888-493-5692.