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What really happens when you use freecreditreport.com?

YouTube - "Bad Credit" - Dan Louisell - freecreditreport.com spoof

Quote:

What really happens when you use freecreditreport.com?

This was for a contest to either cover one of the songs from the commercials or write your own jingle. Being that this isn't very flattering to the website, I bet I won't win. :)

Here are the lyrics, by request:

I thought that I should check my score at freecreditreport.com
after seeing that guy explain to me all the things that could go wrong
but I didn't read the fine print and when a bunch of time went by
I saw that every month they'd charged my card about $14.95

so now I'm back in debt, that's what I get for thinking it was free
and even now my pet turtle just can't stand the site of me

I can't afford expensive drinks so cheap ones will suffice
but now I'm all hung over after drinking Natty Ice
online everyone's un-friended me, even that guy Tom
all because most of my money went to freecreditreport.com

so now I'm back in debt, that's what I get for thinking it was free
I didn't know it's legal to intentionally mislead

my lights have been shut off and my sink has now run dry
and all that's left to do is sit alone in the dark and cry
I had a house and family, but now everything is gone
so my life's completely ruined by freecreditreport.com

hmmmm so they screw you with a monthly fee for a "free" credit report. Seems like a good way to get the word out with yet their own catchy ditty.

Glad to see that there is no such thing as a free lunch.

Well, there is no free lunch, but there are free credit reports. You just dont get them through freecreditreport.com
Everyone can get 1 free credit report from each of the 3 rating agencies every 12 months. I get mine through my bank's website. Just thought it would be good for people to know this. Most of these "free credit reports" websites just get that 1 free for you, then charge you a fee every once in a while as part of a service described only in fine print where they "monitor your credit."

Cool video, by the way.

I have tried them before, and they give you a 14day trial period and then say they will charge you for their service. I never went thru with it once I saw that..

nice song though.

Greedy fuckin fuckers!

I dunno, perhaps it's because I come from the banking industry - any company that is willing to spend millions advertising a "free" service really means "Free*"

*With strings attached....

One of my favorite sites on the web is The Consumerist. Every few months over there, someone complains about getting taken by Free Credit Report, which isn't free. And the good folks at The Consumerist post a link to this:

Consumer 101: Get Your Free Credit Report From "Annual Credit Report.com"

Where you can actually get your credit report for free without involving your bank.

I've gotten free reports from https://www.annualcreditreport.com/cra/index.jsp before. They have a pay service but it's pretty clearly marked when you are getting something you have to pay for. You can get a basic report at no cost.

Yea I tried them. Then I had to call them to cancel and they did the whole high pressure sales talk thing.

Idk. Wouldn't do it again.

you can get a free credit report everytime you are turned down, so I seem to be able to get them all the time...........