Annual Credit Report Scam:
Not sure where to post this, so a Moderator can move it if needed.
Has anyone ever request the free annual credit report on www(dot)annualcreditreport.com?
Now I've been employed for a month, I going to start working on paying off some of my outstanding debts.
This is the second year I have used it and have had problems getting my Equifax report both times. I'm not able to do it online and when I call Equifax (I, of course, get someone in India), they try telling me I have already requested it and I will now have to pay for one.
I just about shouted at the guy today because he couldn't understand what I was saying, and I was confusing him by going off his script, and all he could do was keep telling me I have to pay for one. I tried explaining to him it's probably showing I requested it; however, I never received it so there's an error.
I think my cat would have understood me better, when I explained it to him, than the guy I was talking to! If not, at least he would have purred some for me!
I got the other two CR's with no problems; Equifax is the only one giving me grief.
The conspiracy theorist in me, makes me think Equifax does this on purpose so they can get unsuspecting people to pay for what they are required to provide for free.
Anyone else have any thoughts on this, or encountered anything similar?
The upside to this, if there is one, is that my other two credit reports aren't nearly as trashed as I thought they would be. I don't have one CA reporting anything on it; only the OC's. How in the heck did that happen? I thought sure I'd see an entry on them from Il-Legal Mediation Mal-Practice and have to sue them again, only this time for FCRA violations.
I guess my DV letters were received and understood after all!
By signing up a debt counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
Some creditors and collection agencies refuse to lower the payoff amount, interest rate, and fees owed by the consumer.
Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.