Bill Pratt asked:




Freecreditreport offers online credit reporting resources to consumers worldwide and belongs to the ConsumerInfo family. The company is a leading provider of online consumer credit reports, credit information and monitoring services as well as credit scores.

The company has served 3.1 members thus far and delivered more than 20 million credit reports. The indispensable services and befits offered by Freecreditreport has taken the company to newer heights as the membership count continues to rise.

Consumers can now wield control over their credit by taking advantages of the services offered by this company. The first step involves getting access to their free credit report and credit score. Customers can try these services completely free of cost with the 7 day free trial offer.

The features and benefits also include:
Daily monitoring of Experian, Equifax and TransUnion credit reports
Email reports of any kind of changes and risks of identity thefts to any of the three credit reports
$50,000 Triple Advantage Guarantee feature offered the company

The paid membership comes with access to unlimited Experian credit reports and credit scores.

Monitoring and analyzing the customer’s credit score can result in substantial savings as these credit scores are taken into consideration by lenders for the “credit worthiness” of customers in order to facilitate processing of loan application, credit card application and other lines of credit. This credit score in turn helps in determining whether the applicant qualifies for a credit or not as well as the interest rate applicable on the given credit.

These credit scores are extracted from the credit reports which have a propensity to change on a daily basis. It therefore becomes imperative to monitor your credit reports as this could directly affect the credit scores.

Freecreditreport takes care of all these intricacies for its customers/members while obviating the any associated risks in terms of unauthorized activity or potential discrepancies. Customers also get to guard their identity, as Freecreditreport monitors the customer’s Experian, Equifax and TransUnion credit report on a daily basis.

It is important for the customer to note here that higher credit scores equate to lower interest rates on new loans, thereby resulting in substantial savings.

Joe

westsaeed asked:


So my friend was in Vegas at the USAir gate waiting for his plane. A guy came over and offered a free t-shirt and free airline ticket voucher. So he signed up, thinking it was a gimmick to build brand loyalty.

A few weeks later, his credit monitoring service emailed him that there was an inquiry from Barclay’s Bank. So he called and was told he had been issued a USAir Mastercard miles card. He was confused and angry that he’d been deceived. The huckster didn’t even furnish a disclosure of fees. When he got the card, he noticed an annual fee of $79, which was also not disclosed either by the person in the airport (who didn’t even mention it was a credit card application) or the phone rep, who talked him into keeping the card that had already been issued.

Can he cancel and have the inquiry removed? What is his recourse? Which state’s laws have precedence in this case?
No fine print. That would’ve blown the scam. Barclay’s told him it uses “independent contractors”, not professional bankers in the airport. My friend said the signup sheet looked like a Word document with only USAir’s logo on it.

Jeffery