If you are thinking of obtaining an online credit report or score Don't even think about it, don't go on the websites of Experian, Transunion (especially) or Equifax.
In the last 72 hours, I had a Problem with Experian, Transunion, to the point where I filed BBB reports and I am filing action against Transunion, for unauthorized activity on mycredit card, in addition I am contacting the OIG at the FTC, for various violations involving the FOIA (Freedom of Information Act) according to USC Code, and the Code of Federal regulations (CFR). I also contacted Experian and Transunion explaining to them why by letter as well.
Transunion - (Beware)!!! Once they have your credit card, you might as well close it down, contact your credit card company oir financial instituion and obtain a new credit card.
In fact in by accident if you enter the URL www.transunion.com close your browser window immediately, Don't even allow them to obbtain your IP address, or Default Gateway, etc.
Stay Away.
Instead go to www.annualcreditreport.com and either obtain a yearly free credit report or purchase one from them. I Have to admit I wasn't using good jugement in ordering or purchasing one from Experian (Creditexpert.com) or Truecredit.com or Transunion directly.
The Other Alternative is to obtain one by mail with a Check/money order by certified mail preferrably. This way it becomes under the direct domain of the US Post office.
I would advise you not to order even a 3-1 credit bureau reporting mechanism/monitoring by credit card, or ATM Debit card as well. All you have to do is add a "security alert" on your credit report
In Addition the credit scores - Forget it - a complete scam. They charge anywhere from $9.95 - 10.95 for a FICO (Fair Isaac Corporation) score eg, FICO 1, - basic FICO 2 - Plus FICO 3 - Vantage score. For example I have an excellent credit history and these scoring models no longer even apply in today's fragmented economy, since the average lending institution will charge you; any APR of Prime Rate 18% above and beyond what it should be. Complete Rip off.
Also be careful of any ads or pop-ups that offer you a free credit report, when indeed this is not the case.
Rippy
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