Thursday, May 10, 2007

"Free" Credit Reports

Recently I had a hour-long conversation with my credit card company getting rid of a charge from "MNI Credit Report Services". They charged me $9.95 for would I could only deduce as credit reporting services, but I didn't remember ever asking for that kind of service.

I did a quick Google search for this business, and found this site, along with many others that discussed the woes of other people who had been charged for the same service. As it turns out, "MNI Credit Report Services" is the name for the website www.freecreditreport.com. This website is pulling a fast scam on everyone.

They ask for your credit card to "verify your identity" and in small font somewhere (they claim), they also tell you that you are signing up for credit monitoring services.

Many people end up getting charged four or five times before they notice it. Thankfully I caught it before the end of the billing cycle, so my credit card company immediately reversed the charges.

So instead of falling for any of these credit report scams, make sure to start from this website, provided by the government that will link you to www.annualcreditpreport.com that is the only sanctioned free credit report website provider.

7 comments:

Anonymous said...

I also am getting charged 9.95 each month out of my checking account from MNI credit report. I called free credit report. com and they denied it being them that charged it. I now will have to call my bank and have them not let that company take out that money each month. It has happened 4 times now

Anonymous said...

I also had this problem. I searched MNI Credit Report Services on the internet and was led to believe that it was FreeCreditReport.com. It is NOT. MNI Credit Report Services goes by the name CreditReport.com. I spoke to them on the phone and they said that it was a service to notify you when there was a change made to your credit report. They are frauds. They have charged me 9.95 for the past three months even AFTER I cancled the "service". they have no records of it ever being closed. Now I have to dispute the charges with my credit card. Don't be suckered by this company.

Anonymous said...

we have been duped into believing this was a free service. by their use of [free]it is assumed to be someone their are not.we are filing a report to our attorney general,consumer complaint hot line in our state;and we will bug them to take the charges off, also we will do the same with our credit card co.your local TV station can make a big impression when they call them....

Anonymous said...

Man, this got me too. They would not cancel after repeated requests, finally, I called my credit card provider (Chase). Chase was EXTREMELY helpful - they refunded the charges for the past 2 months after explaining the situation. Just as an FYI, the lady said that they have a LOT of problems with MNI CreditRpt Services, so you may need to involve you credit card company to get them to cancel.

Anonymous said...

To the 'Finance Guy' and the four anonymous people who left their comments on this site, my sincere thanks for your help, information, and advice about this fraud! I also found a charge for $11.95 on my credit card statement and spent most of this afternoon trying to take care of it. Now I know exactly what steps to take. Again, thank you sincerely.

Anonymous said...

I have called MNI up for cancellation but they asked me to call back after 10 -15 days for membership cancelled. I also called FreeCreditReport.com for cancellation but they repled not finding my name on it. So I called MNI to cancel my membership again for the reason of I am leaving US for job transferred and will not be back for couple years and will close the bank a/c next month, and then they gave me the cancellation number, so I told my Citi not to pay them next month.....because I have this cancellation number....

jerry john said...

You obligation secure your fiscal station by keeping a tight check on your credit score will support you avoid bounteous a sleepless nights. Accomplish the most that comes veil the choice of obtaining totally for free credit report and equate doubt - complimentary. See url