On credit report Lubbock

Join our publishers and see why we've become America's #1 provider of FREE online credit reports for nearly 10 years! The Internet is littered with promotions for "free" credit reports, and many are on credit report Lubbock back-door efforts to sell credit-monitoring services and other products, according to the Federal Trade Commission. Last week, Experian, one of the three major credit-reporting agencies, agreed to pay $950,000 to settle charges that it deceived consumers into signing up for its credit-monitoring service by offering free credit reports.

The FTC said Experian's Internet sites, www.freecreditreport.com and www.consumerinfo.com, failed to adequately disclose that consumers who ordered their credit reports would automatically be charged $79.95. The FTC also alleged that Experian sought to associate its Internet sites with the government-mandated free credit-report program. credit card fraud The Internet site for on credit report Lubbock that program, which has been phased in across the country since December 2004, is www.annualcreditreport.com. Experian has improved disclosures on its Web sites. Now, consumers who click on to the sites will see a box on the first page advising them that when they order their free credit report, they'll be signed up for the credit-monitoring service. Experian also agreed to provide refunds to some customers. Consumers who enrolled in the credit-monitoring service from on credit report Lubbock 2000 to 2003, canceled the service and disputed on credit report Lubbock the charges may be eligible. how to obtain a free credit report If you believe you qualify for a refund and want more on credit report Lubbock information, go to www.ftc.gov/freereports or call 202-326-3457.

The FTC settlement with Experian doesn't resolve an ongoing problem: "impostor sites" that attempt to hijack consumers seeking to order free credit reports.

These sites use misspellings and sound-alike names to misdirect consumers to sites unrelated to the government-mandated site.

The FTC has sent letters to 130 impostor sites warning them that attempts to mislead consumers are illegal. Researchers for the World Privacy Forum, a consumer education organization, found 112 sites in June that were using some combination or close spelling of "annual credit report." Some of on credit report Lubbock the sites asked for Social Security numbers, birth dates and other sensitive information, the World Privacy Forum report said. free annual credit report government Others directed consumers to sites that sell identity theft or other credit-related products and services, the report said. Consumers land on impostor sites in two primary on credit report Lubbock ways: by mistyping the name of the official Internet site, or by on credit report Lubbock using a search engine and clicking on the wrong result, the report said.