FREE Credit Report Offer - Careful, It Might Carry Hidden Charges

FREE credit checks or free credit reports. What are they all about? Why every second company on the Net is offering you a free credit report? Are they all suddenly moved into a charity business?

Don't worry about their finances. Start worrying about yours. They are offering you a FREE Credit report as a bonus. Their main offer is something else - they want to sell you "credit check monitoring services". They claim they are going to protect you from identity theft.

In order to do that, they first ask you about all the details about your credit card and your bank accounts. Talk about a cat watching over cream distributions.

Their first move is to charge you for their services. Hold on, you say, I didn't order anything from them. Yes, that is correct. Almost. Remember, at the bottom of their page they wrote in very small letters that if you don't cancel their services, they are going to provide them.

And provide they will. First they are going to charge your credit card between $80 and $120, sometimes more. And we are not talking about some fly-by-night operations.

For example, ConsumerInfo.com is owned by Experian, one of the three major credit reporting agencies in the United States. A class action suit against ConsumerInfo.com and Experian alleging 'unfair and fraudulent business practices and false advertising' had been filed in 2004. It didn't stop many others like them from following the same practices.

If you are lucky to spot those charges in time, you can attempt to file a charge-back with your credit card company. It will not be that easy. It is your word against theirs. Those companies can claim that they provided a valid service for you, and for that they are entitled to a payment.

You scream: "What service?!" They respond: "We were watching over your account". There is no point in suing them. They have much more money than you to pay for their lawyers. If you are one of many, you can try a class action suit. But that can take years, and in the meanwhile your money are gone.

It will be much easier to stay away from free credit report offers. Especially from companies you know nothing about. They are not in charity related businesses. When they offer you credit report for free, they will try to make you pay for something else. Don't disclose all your financial information to them. You never know to whom they can sell this information.

Every time, when you get an offer to give you something for free, ask yourself first: "How is this company going to make money? What else will they want from me?"

If you don't find an answer to this question, don't disclose to such a company your credit card details. Their alleged "free help" might end up costing you more money.

To learn more about financial and investment advise and retirement planning visit new Money Management Forum at Wise-Investment.info

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table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.reuters.com/article/domesticNews/idUSTRE49C01020081013cid=1257034345ei=qd3ySO_iJI3W6gOC2smwAwusg=AFQjCNG6Xedphjx5KWZ6eCPCv45nql7YhAUS small businesses squeezed in bcredit/b crunch/abrfont size=-1font color=#6f6f6fReutersnbsp;-/font nobr5 hours ago/nobr/fontbrfont size=-1Tightening consumer bcredit/b has likewise taken its toll, especially on sales of cars and other big-ticket items. quot;The most difficult part of all this is it b.../b/font/div/font/td/tr/table
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table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.latimes.com/business/careers/work/la-fi-creditunionsbox12-2008oct12,0,3097669.storycid=1256110151ei=qd3ySO_iJI3W6gOC2smwAwusg=AFQjCNFIsZttSa3V7cwIZkvtGcMoLG5qmQIs my bcredit/b union safe?/abrfont size=-1font color=#6f6f6fLos Angeles Times,nbsp;CAnbsp;-/font nobr22 hours ago/nobr/fontbrfont size=-1By E. Scott Reckard, Los Angeles Times Staff Writer The government-run National bCredit/b Union Share Insurance Fund insures most deposits at bcredit/b unions, b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.dailyrecord.com/apps/pbcs.dll/article%3FAID%3D/20081012/BUSINESS/810120333/1003cid=1256110151ei=qd3ySO_iJI3W6gOC2smwAwusg=AFQjCNEE88ODTNfGj6-LncrL1anxXOmh9AbCredit/b unions alternative to banks/a font size=-1 color=#6f6f6fnobrDailyrecord.com/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://voices.washingtonpost.com/thecheckout/2008/10/got_your_money_in_a_credit_uni.htmlcid=1256110151ei=qd3ySO_iJI3W6gOC2smwAwusg=AFQjCNHqQIx-3VzNAJlq7-SYLVnM4sjTngGot Your Money in a bCredit/b Union? You Too Are Safe/a font size=-1 color=#6f6f6fnobrWashington Post/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.boston.com/business/articles/2008/10/10/in_tumultuous_financial_times_credit_unions_might_be_an_option_to_considercid=1256110151ei=qd3ySO_iJI3W6gOC2smwAwusg=AFQjCNF-eu8ZkqqTEBGGn8kcBxBLiY-LRQIn tumultuous financial times, bcredit/b unions might be an option to b.../b/a font size=-1 color=#6f6f6fnobrBoston Globe/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.jacksoncountychronicle.com/articles/2008/10/10/opinion/03letchrisinger.txtcid=1256110151ei=qd3ySO_iJI3W6gOC2smwAwusg=AFQjCNExbxwEROeTNhcNKz79cufbdJwflwnobrJackson County Chronicle/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.fayobserver.com/article%3Fid%3D306916cid=1256110151ei=qd3ySO_iJI3W6gOC2smwAwusg=AFQjCNHHDlMRgOU9r1BxgNdW4F1h9r0Z6AnobrFayObserver.com/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1256110151hl=ennobrall 15 news articles/nobr/a/font/div/font/td/tr/table
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Many companies use the slogan "Bad Credit? No Credit? No... Read More

Identity Theft - How to Protect Yourself

"Like the tan? I got tons of sun on that... Read More

Opting For A Credit Card? Check Out Certain Terms

You've just received a "pre-approved" credit card offer in your... Read More

Credit Card Balance Transfers Can Help You Stop Putting Money Down The Drain

As you probably know, interest rates are at all time... Read More

Low Interest Credit Cards: A Thing of the Past?

With interest rates rising, low or zero percent credit cards... Read More

Top 5 Credit Misconceptions

We have all heard the rumors?from neighbors, relatives or friends.... Read More

Credit Counseling: Could it Work for Me?

In the face of financial hardship, many seeking a responsible... Read More

How did a Thief get my Name? Don?t be a Victim of Identity Theft

How do these people get my name? If you have... Read More

Different Ways to Borrow Money

There are many different ways to borrow money. Outlined below... Read More