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Sure.

I smell lots of FTC complaints coming up soon !!!

I guess, the cancellation will be painful.

The Nigerian emails look more honest than this.

creditkarma.com is the only truly free private credit report provider. They don't ask you to join and cancel.

Besides, annualcreditreport.com is a government mandated site that provides you one free credit report from each of the big 3 credit tracking companies per year. You can choose to get one from each agency every 4 months.

See http://en.wikipedia.org/wiki/Credit_score_(United_States)#Free_annual_credit_reports_and_free_credit_scores for details

Even worse deal than LifeLock. Do annualcreditreport like #5 points out.

Free credit reports can lower your credit score by increasing your credit verification attempts. Even if you don't know what your actual score is, if you ran one last year and haven't done anything to affect your score, you can guess it hasn't changed much. Even 20 points can mean a lot when you are trying to get a loan for a car or house.

If you can afford a slight decrease in your credit score, no pending transactions in the near future, then you can see if anyone is messing with your credit. Also identify those old accounts you lost track of, thinking you closed it. Some banks/credit cards do not close your account after you request it.

Nothing is free. It might not cost money, but it will cost something...

The only people who fall for these scams are the people who will be disappointed by their scores. Do yourself a favor and don't do it, it's the American way!

WOW! thx #5, I didn't know about them, just signed up and their frikin awesome, like mint.com, the biggest thing is the FREE, the graphs are great.

I don't know anything about this site itself, but many of the offers for free credit checks that aren't the annualcreditreport.com aren't scams. I've used the free credit report and scores from all of the 3 agencies, as well as an offer Bank of America sent me. There isn't a scam, they just hope you forget to cancel within the trial. A lot of people don't understand how sites like this make money and simply label them scams. I would stick to deals offered by Equifax, Experian and Transunion, and other reputable sources like Bank of America, but the trial offers are fine to use.

As for lowering your credit score, checking your own credit is not the same thing as credit verification. If you authorize a site like Experian to check your credit for you, that's not credit verification. Checking your own score doesn't hurt your score. It's recommended that you use the federal government's annualcreditreport.com every chance you can, because mistakes do happen and you need to watch your credit. It's also beneficial to do one of the 3 free reports every 4 months. Even though they sometimes have different information, this will help you to catch any problems more quickly than if you just check once a year.

just tried creditkarma.com, it's really great. Thanks #5!

thanks #5

Thanks #5 too

Beware of these types of deals. As #8 points out, rarely is anything truly free. There's no reason to go after cheap offers or freebies when your credit is concerned. Trying to fix credit problems or errors can be more costly and time consuming than one could imagine!

Thank you #5 for the karma info, I too signed up. 35 accounts and climbing, must collect them all, woooot!!

CreditKarma.com uses TransUnion.

If you want to see your Experian credit report, along with an associated FAKO credit score (FAKO = not a true FICO score), then check out Quizzle.com a service of Quicken Loans.

Quizzle allows you to pull your Experian report and FAKO score every 6 months, and will send you an email when it's time to get a new one.

Also, checking your own credit report does NOT affect your FICO score. Self-initiated inquiries are called SOFT inquiries and don't affect your score, even though they are listed on the credit report that you pull. These soft inquiries are not reported to any lenders that request your report. Only lender-initiated inquiries affect your FICO score. These are called HARD inquiries, ie inquiries in which you are really seeking credit.

Hope that helps.

Credit report? If you can't pay cash, you don't need it.

And sometimes, you really do not want to know...

Wow, I didn't know all the cheap asses that frequent Ben's were so smart.
Thanks

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