Like many others who have reported to this web company, I too attemtped to view my credit report online. You go to consumerinfo.com, click on "Free Credit Report, " fill out the information, and then they take you to through an "authentication process."
I did not know the answers to one or more of the questions, so I was unable to view my credit report online. I opted for something where they send you a passcode through the mail. This passcode allegedly allows you to view your credit report at another time.
At no time did I read that I was signing up for anything but a credit monitoring service that is free for 30 days and includes a free credit report.
I have called my bank card company and disputed the charge of $39.95. I spoke with Tammy, a CIC supervisor, and she stated that my only option was to write their consumer relations department.
Beware of credit report services. It is better to simply order a credit report from Transunion, Equifax, or Experian. They usually charge $10 or so and it is much less a hassle dealing with them.
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