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FreeCreditReport.Com Does Not Make Me Happy

March 29th, 2008 at 03:27 pm

I paid a stupid tax today. I had checked my credit score last week, and instead of paying the $5.95 for a one time score, I decided to enroll in the "7 day free trial" for free, and then cancel it before I had to pay. Why pay $5.95 when you can pay nothing, right?

Well, I can't really say what happened between the time that I made that decision and today when I checked my bank account, but perhaps it was all the excitement of BF coming to visit. Some how, some way, I started thinking the "trial period" was a MONTH instead of a WEEK. Needless to say, when I was logging into my new checking account today (the one that I haven't deposited money into because I'm having a heck of a time trying to get checks for it), I was VERY surprised to see that I had a NEGATIVE balance!!!

FreeCreditReport had charged 14.95 to my banking account, and then because I didn't have any deposited in there to cover it, I was charged a $35 overdraft fee. Hence the negative balance of $44.96.

At first I was ticked off because I thought I had been charged prematurely for the credit reporting, but then when I checked the site, I realized that it was only a WEEK free trial. So, it is my fault and my fault only.

So for this time, I will chalk it up to a VERY expensive credit score/report. If there is a positive to come from it, maybe it is that now I will be forced to make a stop at a local BBT branch and deposit some of the cash that BF gave me today. Maybe I will also get the checks situation straightened out.

And I did cancel the credit reporting membership effective today, so that is taken care of at least.

I have just started reading the Fly Lady website, and I am excited about starting that. Even though it really has nothing specifically to do with what happened to me today, it does focus on organization, and a "chaos" free life. Sounds good to me. I've got to get organized and stop costing myself money!

8 Responses to “FreeCreditReport.Com Does Not Make Me Happy”

  1. HS Says:

    OUCH! yeah, at least your not the only one who's done stupid in the past lol

  2. JanH Says:

    I have definitely benefitted from the flylady system. With my disorders, the fifteen minute system really helps me focus. And, I've been able to slowly eliminate a lot of the acquired clutter. Let us know how it goes for you.

  3. savingbucks Says:

    To check your credit report for free, go to http://www.annualcreditreport.com. There will be no strings. I believe you can get 3 reports per year. Freecreditreport.com is a site that can cost -- as you well know! Good luck on the organizing -- I have the same problem! Smile

  4. NJDebbie Says:

    I've used annualcreditreport.com in the past and it's free. The only thing is that you have to pay extra to get your FICO scores. At least that's how it was when I used it.

  5. fern Says:

    you can get your credit report for me, but sillol me was talking about her score, which you do have to pay for.

    Yep, that's how they get cha. i think it's called a negative option-in, meaning you're automatically enrolled unless you make a point to cancel.

  6. Thrifty Ray Says:

    I would give the bank a call and explain what happened and ask for the NSF fee to be reversed. They might surprise you and return it, or split it with you...or they may say sorry...but I would at least try.

    I work at a credit union and KNOW that if you called and let us know those facts, we would reverse the fee. (unless, this was habitual)...Give it a try. Good luck.

  7. sillyoleme Says:

    I might try to call and see if they can do anything about it. I just started the account, and the ironic part is that I have more money in my old checking account than I've ever had, and the only reason it hadn't transferred to the new account yet was because I have had all kinds of problems in setting up the account to begin with. That said, I'm not very hopeful that they will work with me on the fee, but it's worth a try!

    I've never had a returned check or NSF charge in my life, and it figures that it would be my first new checking account and a credit check that causes it. Oh well, at least I know better for next time.

  8. Thrifty Ray Says:

    Include the facts of the difficulty of opening the account...offer to show proof that youve cancelled the service that caused the problem, tell them that you are embarrassed and frustrated because this is your first NSF...and don't stop with the first no (if that is what you get)...

    Honestly, we would be glad that you called and gave us an opportunity to help you...I sure hope this is the resolution you receive.

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