Credit agencies are a fricken scam!

[ChunkyMonkey]

No, I've tried to see my score from that website a bunch of times and you're right. You get your report, but they scam you into paying to see the numbers.

You realize the score you get through third party doesn't mean a thing right? How many times have you pulled your own credit to check your score and when you go to apply for a credit, the creditors come up with different scores. Most third party use estimation formula based on FICO to generate your score. Sometimes its within 10-20, other times it's WAY off.

Different credit companies also tweak their own formula. I know certain credit companies I would pull from to get higher score for my clients than other companies.

[Ridge]

Go to your bank and put a block on all withdrawls from the name they use on your statement.

[Anton]

+1 for this place.

Whoops, that's what I get for not reading every post.

[hollohas]

By law you're entitled to one each of your three credit reports (one from each credit bureau) for free once a year anyway. Freecreditreport.com and all those similar 'services' are scams.

http://www.ftc.gov/bcp/edu/pubs/cons...dit/cre34.shtm
"Only one website is authorized to fill orders for the free annual credit report you are entitled to under law — annualcreditreport.com. Other websites that claim to offer “free credit reports,” “free credit scores,” or “free credit monitoring” are not part of the legally mandated free annual credit report program. In some cases, the “free” product comes with strings attached. For example, some sites sign you up for a supposedly “free” service that converts to one you have to pay for after a trial period. If you don’t cancel during the trial period, you may be unwittingly agreeing to let the company start charging fees to your credit card."

Just did this last week. They give you your reports but not your score. You have to sign up for one of the "trials" that they offer you after you get your report from each of the big three to get your score.

[Beprepared]

Yes you can get your free yearly report. But the big 3 charges for the score. The freecreditreport.com type companies are owned and or endorsed by the big 3. I paid 14.95 to get my score form a company directly off of TransUnions site.
Yes it's a messed up system.

[Byte Stryke]

Whaaaaat? Stop being so butt-hurt..This whole thread is filled with the tears of whiners. Cowboy the hell up.

[Mtn.man]

Who gives a shit, what can you buy anyway.
Anyone can get a new car no credit worthy at all.

[sniper7]

I would deny the charges with the card company. don't let them suck you out of $15 or $30.

[sniper7]

So you guys will send 14.95 to a stupid credit scammer but you won't send any $$ to the Barrister of Ethiopia to get a million back...

i tried it...it worked!