ClearCredit uses a Mortage company to obtain your credit report. This is listed as a hard inquiry on your report. If you are trying to clean up your credit, this can hurt it.
ClearCredit will dispute everything on your credit report without your consent. If you have 100 items on your report they will dispute all of them. They will charge you $7.95 per item. They claim that they dispute only what you tell them to but you never get a chance to tell them what you want disputed. They list everything as negative even the positive items in your credit report.
They also claim that they will never charge you more than 39.95 per monthly billing cycle. I was charged 39.95 THREE TIMES in the same month. They also claim results in as soon as 45 days. They charged me close to $200 dollars over a three month period with no results. I sent them numerous e-mails for updates. I asked for a refund but my e-mails were never responded to.
Steer clear of this company. You will lose money and your credit will be worse. You can dispute your own items for free (except the cost of the credit report) with the Major Credit Bureaus and receive a response and update credit report in thirty days.
Does anyone know if there is a class action lawsuit against this company? If there isn't there should be one. I would like to get my money back if possible and I know many consumers have been ripped off by this company. They should be out of business. Any information would be appreciated.
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