Credit Report America

By ordering instructions to obtaining a free credit report on this company's website, you will be automatically enrolled in a 3-day free trial of Credit Report America's membership site. Your membership with CreditReport America requires a $2.95 activation fee. If you fail to cancel your membership within 3 days of enrollment, you will be billed $9.95 for each month that you continue your membership. According to the website, you may cancel by calling 866-989-8952. In addition by agreeing to this offer you will also be enrolled in a fourteen-day trial and twenty one-day trial to the Fraud Protection Resource Center and Identity Theft Protection for an activation fee of $3.24 and $7.14 a month thereafter which appears as "FraudProtection" and "IdentitySecurity" on your billing statement if you choose not to cancel. Prior charges for all programs are non-refundable but bonus subscriptions can be cancelled and future charges stopped at any time by calling toll-free 866-989-2684 and 866-989-2683. All offers come with a monthly newsletter.

We urge caution before agreeing to trial offers or giving your credit card number to unfamiliar companies with unfamiliar products. Although this company's offer is advertised as free, the charge imposed for shipping and handling of the product, actually makes the offer NOT free. Once your credit card number has been provided to cover shipping and handling, it will remain on file with the seller for shipping and billing purposes. If you forget to cancel, or for any reason fail to do so, your card number is readily available to bill for your first shipment of product.

Although the company's website make cancellation procedures appear fast and easy, in reality customers report that cancellation requests are ignored, calls are not returned, credit cards continue to be charged, and unwanted product shipments continue to arrive.

This company's free trial is conditional upon accepting their offer for additional product. FTC Guidelines for advertising this type of offer require that all terms and conditions of the offer, as well as cancellation instructions, be clearly and conspicuously displayed in at least 10 point type before asking for payment or obtaining the customer's consent. Clearly and conspicuously means, NOT disclosed in microscopic print accessed by a web blink to another site, but rather, disclosed along with the free trial solicitation.

Regardless, many consumers overlook the advisory, and are unaware of the charge until their next monthly credit card statement. In this company's case, consumers complain they are unable to cancel services by using the instruction provided by the company. Even worse, they are unable to contact the company at all. Emails are not returned or acknowledged, and calls are not returned. Industry guidelines require marketers to provide a fast easy method of canceling, either by mail, phone, or website, Failure to do so may be a violation of consumer protection laws.

Most credit card issuers will allow the cardholder 60 days to dispute an unauthorized or inaccurate charge. Review your monthly statement carefully. If you discover a charge which is unfamiliar, investigate and dispute the amount with your card issuer as soon as possible to protect yourself from making unwanted purchases.