Hi! The other day I found this page with a search engine: http://www.take-our-money.com/credit-report/ I was wondering how much I'm worth so I clicked the "click here to start now" link and filled in the fields... I got my free report quickly but here's the amazing part: I got another e-mail a few hours later saying I got some promotional offers for June from an affiliate of credit.com and they were... pretty amazing. One of them was loaning up to 50 000 I can pay back in a maximum of 4 years with an interest of 0.1% per year. Can this be true? I can safely put that money in a bank and get a bit more. The mortgage offers are even more amazing. What do you think?
ontrack: No but I thought they were... Heah, just one post; I check this forum quite often as my work is somewhat related to credits but I never posted before. BACKSLIDIN: Now you're a wealthy man ( I'm worth a bit less than half of that )
I think you're right... I'll apply for a loan now. Why don't you ask for a credit report yourselfs so to see what this is all about? I mean it's free... and getting something free is always worth it
Is it free? You have to provide a credit card and it will be billed after 30 days. http://www.ftc.gov/opa/2005/08/consumerinfo.htm According to the FTCâ??s complaint, Consumerinfoâ??s advertising and Web sites failed to explain adequately that after the free trial period for the credit monitoring service expired, consumers automatically would be charged a $79.95 annual membership, unless they notified the defendant within 30 days to cancel the service. Consumerinfo billed the credit cards that it had told consumers were â??required only to establish your account,â? and, in some cases, automatically renewed memberships by re-billing consumers without notice. The FTC charged that the defendantâ??s failure to adequately disclose the automatic billing and to get consumersâ?? consent to bill their accounts violated federal law. The link provided in this thread charges nearly $120 a year. Doesn't sound all that free to me.
After signing up for that free report... did you get an e-mail with an Excel files attached and all the promotional offers ?
No, the one from the first post in this thread. http://www.take-our-money.com/credit-report/ The one that advertises "Unlimited FREE Credit Reports & Credit Scores" That is the definition of false advertising. That is exactly why the FTC fined the company I posted about above.
Ah, ok... gotcha. Hope they give the money Thanks for all the help and try getting a free reports yourselfs; you'll be amazed. Thanks again
"I mean it's free... and getting something free is always worth it " Half the scams on the Internet start with a promise that it's "free". They just need your CC number, or bank account number, to "verify your identity". then you are signed up for this or that "membership" or "club" or "service". You could give your phone number in an innocent looking poll, and find charges slammed on your phone bill, which some outfit claims you "authorized". Promising and getting are two different things. How many scams are built on the concept that you will get something for free, but you give up something to get it? Safer to be careful who you do business with, even if you pay for what you want. For example, say you were up to no good. You could set up a web site offering "free" credit reports, get enough of the consumer's data to then pass it on to the CRAs and pass back a report, who would then get a "free" report, even if you paid for it. But you now have a copy of that credit report, which you can use for other mischief. You had better know who you are dealing with, even if they say it's "free". You may not be legally responsible, but once the money is gone, even if you catch it, it will waste additional time and money getting it back. Decline all gambits. They are not offered out of the goodness of their heart.
That's what the fish said when he saw the bait on the hook. And the fisherman agreed, over breakfast. An offer isn't free just to warm the heart of the giver. They expect to make a profit somehow. They have thought thru how they will get paid before they made the offer. Have you? The concept of "contract" has been so warped by the sociopaths in our society that, no, you can't trust anyone.
Well... in this case, it seems it wasn't a bait but just a tasty worm. I canceled my credit report after getting it so it was 100% free. I also managed to borrow 10 grand with a very good rate. Give it a try if the promotion is still there (you can always get a free report then cancel) and take care! Thanks for your thoughts!
Who, exactly, is "take-our-money.com"? The mortgage application refers to "credit.com": http://www.take-our-money.com/mortgage/ The payday loan application refers to "credit.com": http://www.take-our-money.com/payday-loan/ The credit card ads include ads for "credit.com": http://www.take-our-money.com/credit-card/ credit.com is registered to: Registrant: Credit.Com, Inc. 550 15th Street Suite 36b San Francisco, CA 94103 US Domain Name: CREDIT.COM Administrative Contact : Levin, Adam alevin@credit.com 550 15th Street Suite 36b San Francisco, CA 94103 US Phone: 415-901-1550 Fax: 415-901-1568 Technical Contact : Network Solutions, LLC. customerservice@networksolutions.com 13200 Woodland Park Drive Herndon, VA 20171-3025 US Phone: 1-888-642-9675 Fax: 571-434-4620 Record expires on 11-May-2010 Record created on 10-May-1996 Database last updated on 07-Jul-2004 Domain servers in listed order: Manage DNS NS1.GLOBALNETOPTEX.COM NS2.GLOBALNETOPTEX.COM Current Registrar: NETWORK SOLUTIONS, LLC. IP Address: 64.127.114.195 (ARIN & RIPE IP search) IP Location: US(UNITED STATES)-CALIFORNIA-SAN FRANCISCO Record Type: Domain Name Server Type: Apache 1 Lock Status: REGISTRAR-LOCK Web Site Status: Active DMOZ no listings Y! Directory: see listings Web Site Title: Credit Reports - Credit Cards - Help with Car & Home Loans - Credit.com Meta Description: Credit.com offers a variety of credit related products and services including credit reports and scores, car and home loans, debt consolidation help, identity theft security, credit cards and more. Meta Keywords: credit, credit report, credit score, personal loan, low interest credit card, credit card offer, credit card application, low rate credit card, debt help, debt consolidation, debt solution, credit card debt, debt management, credit debt finance, credit de Secure: Yes E-commerce: Yes Traffic Ranking: 1 Data as of: 12-Apr-2006 " Yet take-our-money.com does NOT show the same registration ownership as credit.com. In fact, it is not clear who, exactly, they are: From networksolutions.com/whois/: Domain Name: TAKE-OUR-MONEY.COM Registrar: TUCOWS INC. Whois Server: whois.opensrs.net Referral URL: http://domainhelp.tucows.com Name Server: NS1.INFRANET.RO Name Server: NS2.INFRANET.RO Status: ACTIVE EPP Status: ok Updated Date: 11-May-2006 Creation Date: 11-May-2006 Expiration Date: 11-May-2007 Note that it is very recent. Tucows appears to be a domain name registrar, providing other services to ISPs: http://resellers.tucows.com/about/ "Tucows Inc. (AMEX:TCX, TSX:TC) provides Internet services and download libraries through a global distribution network of 6,000 service providers. This distribution network primarily consists of web hosting companies, ISPs (Internet Service Providers) and other Internet related service companies. These companies use Tucows' provisioned services to offer solutions to their customers: enterprises, small and medium businesses and consumers. Tucows is an accredited registrar with ICANN (the Internet Corporation for Assigned Names and Numbers) and earns most of its revenue from domain name registration services plus hosted email, spam and virus protection, Blogware, website building tools, the Platypus Billing System and digital certificates. "
It's probably worth an e-mail to credit.com to find out what their relationship is, if any, with take-our-money.com.
