Quote:
|
Originally Posted by Bill O'Rights
Y'know...now that you mentioned Experian...I seem to remember something on the local news about this. I think (I wasn't really paying that much attention) that they're selling "customers" some service or another, under the guise of a "free" credit report, which they are bound, by law, to give up once a year anyway. Now I wish I'd have paid more attention.
|
I'll take a crack at this one as I just received my free credit report.
A free credit report is just that. A list of all your open account, all recent credit inquiries, and and negative notes from the last seven years.
It does not contain your credit score. Nor is it supposed to. The bill was passed by congress allowing you to see your report to find out about your various credit accounts status, and see any problems that may have occured or mistakes made. Congress did not compell credit companies to provide your credit score as that is irrelevant to finding and correcting mistakes in your file.
If you want the actual credit score number that you are rated at, Experian willl provide it for $9.00 when you order your free report.
The page offering it even says in large bold text that this is not a required step. The radio button at checkout for your free report is defualted to "No Thankyou" to order your score unless you opt in and pay.
As for your ordeal Pan,
Contest it with MasterCard, file a complaint with the BBB in your state and the state where the company is headquartered, and contact your local attorney general in your state to file a complaint that the AG may choose to act on if they so desire.