credit report scam

I’ve been searching for a good credit reporting service and found Clear Credit. The site was neat and professional-looking, and their offer for a free three-agency credit report seemed too good to be true. The only catch I could find was that you had to pay $7.95 for each disputed item on your report. I was on the verge of signing up, but got a sneaking suspicion that something wasn’t right. Every other site I’d seen offered an Equifax report for free, and a three-agency report for around $35. How could they offer it for free?

Skeptical, I researched the company and found multiple complaints. One of the prominent ones was a claim that they disputed every negative entry on your credit report without your approval, then charged you $7.95 for each one.

I requested an explanation of the above link to give them a chance to share their side of the story. While I awaited their response I continued my research.

The New Hampshire Department of Justice says there is nothing a credit repair agency can do that you can’t do for free, making Clear Credit’s offer seem even more suspicious. Almost all of the other sites I found made it clear that you should be suspicious of anyone claiming to improve your credit for a fee, because non-profit groups are available to help people with credit trouble. This didn’t give me warm fuzzies about Clear Credit’s offer, but I remained hopeful.

My hopes were dashed in a matter of days. I received two e-mails from Clear Credit, but they didn’t contain an explanation. They told me to act now to improve my credit. How do you like that? They spam a potential customer who made a perfectly legitimate request for more information. I was not impressed. My search to find a quality three-agency credit report for a low price will continue, but Clear Credit is clearly off the list.

Number of readers
- home
news links
other links

about me
blog archives
funny lists
web designs
webmaster help

Become a Patron

Most Popular Pages

Sign up
Enter your email address to be notified of new blog posts

Search blog archives


Random quote
It is amazing how much people can get done if they do not worry about who gets the credit.

(See all the quotes)

Say hi on

(?) Choose theme:  X X X X X X
Page loaded in 0.0210 seconds