Dispute credit report Topeka

Davis, the BBB's vice president of programs and services. Another commenter, James Fenelon of California, says he supports the new rules. In March 2009, while trying to obtain a free report from Experian, confusing links and instructions led me without realizing it to another site called FreeCreditReport.com. Without dispute credit report Topeka warning or authorization, I began receiving $4.95 monthly charges on my credit card bill. It took phone calls and a hostile representative and action by my bank to stop those charges. I support any amendments and changes in rules that will prevent the consumer from being tricked into this fraudulent behavior by the credit reporting agencies. See related: Free credit reports: How to get the actual free ones, A comprehensive guide to the Credit CARD Act of 2009, Credit report hustle moves to Craigslist You've probably seen or heard ads featuring catchy tunes and jingles for websites claiming to help you get a free credit report. The dispute credit report Topeka problem: Those sites aren't the dispute credit report Topeka official government-mandated site (AnnualCreditReport.com) for obtaining free reports entitled to you each year by federal law. free annual credit reports At these soundalike sites, free isn'dispute credit report Topeka t really free -- it comes with strings attached. They sign dispute credit report Topeka consumers up -- sometimes without their knowledge -- for credit monitoring services and charge recurring monthly fees to their credit cards. Curbing 'confusing' ads, practices The Federal Trade Commission (FTC) has proposed new rules to help decrease the number of consumers who are duped into signing up for services they don't want and make it easier for people who only want to get their free credit reports to do so -- without hassle. There has been a proliferation of confusing advertising regarding where consumers can obtain their free annual [credit] file, according to the FTC. check your credit history The new rules were drafted because a provision in the Credit CARD Act of 2009 says, beginning Feb.

22, 2010, radio, TV and other ads for free credit reports must include the following disclaimer: This is not dispute credit report Topeka the free credit report provided for by federal law. These advertisements direct consumers not to AnnualCreditReport.com, the authorized source for free annual file disclosures, but to commercial websites operated by the nationwide CRAs (credit reporting agencies) or others that sell a variety of products and services, according to the FTC.

Further, when a consumer uses an Internet search engine to find the website for free annual file disclosures, the search engine will usually list 'sponsored' links -- again, selling products and services -- such as 'FreeCreditReport.com' first. As a result of this advertising, consumers are often misled and confused about where to go to obtain the free annual file disclosure mandated by federal law. Getting a 'free' credit report is one of the most confusing and frustrating experiences there is. The FTC is also seeking to make getting free credit reports on the official site -- AnnualCreditReport.com -- less confusing for consumers. credit report free score Today, the site makes it easy for consumers to get sidetracked from the free path with ads and dispute credit report Topeka special offers for additional services that are not free. The proposal would ban those pitches until after consumers have signed up for their free reports. Also banned: requiring consumers to set up accounts on the site before they can get their free reports. Hundreds comment on proposed rules Of the more than 1,000 comments filed with the FTC about the proposed changes, an overwhelming majority support the new rules.