It seems the various credit reporting agencies and services are finally getting smarter. TransUnion now requires you to pay $3.75 for a FAKE score when requesting your TransUnion report, what a bunch of CRAP! Experian's creditexpert can no longer be cancelled and redone for another 30 days without a charge. Tried it last night and they said I had already had my free trial and to continue if I wanted to pay the $79.95. God, I hate these CRA's. They are SCUM!!!
I don't quite understand your anger. I'm no fan of CRA's but keeping a site up and current isn't free either, they have to pay someone to investigate your disputes, and the cost of sending paperwork (which I always got) when the dispute is over. Why should you be getting it for free? If the score is FAKE, why are you so pissed and why do you need it if it is?
They are getting paid furnishing YOUR information to companies who you are asking credit for or whom they want to give you credit. IMO consumers should not have to pay one dime to access THEIR information, period! Anything a company or organization is compiling and furnishing about you should be FREE! Tac
Re: Re: Credit Services are getting smarter One thing people need to remember is that there are no free lunches. If you get something for free somebody somewhere is paying for it somehow and that always ends up being the consumer. There are no exceptions. Often the ways you end up paying for it is so subtle that you don't notice it or never realize that you did indeed pay for it. Just remember that even though you don't pay for it somebody else does.
Re: Re: Credit Services are getting smarter You wouldn't believe the amount of money that the CRA's have to spend on their IT infrastructure and bandwith costs. Not to mention the cost of hiring an army of programmers to make the website and all the services that it allows you to do.
Re: Re: Credit Services are getting smarter I agree with the last message. It does cost a LOT of money to maintain such a site. And look at it this way: CreditExpert and CreditWatch are both providing a SERVICE to us all, should we choose to pay for it. If I were providing a similar service, I would expect to be paid for that service. Also, consider this: the $79.95 you're shelling out for CreditExpert or CreditWatch works out to be just under 22 cents a day over the course of a year. That 22 cents a day buys me invaluable peace of mind, not to mention the ablity to check my report and score on a daily basis.
Re: Re: Credit Services are getting smarter In the case of EQ, do you think it is fair that they are charging $79 bucks to access your report only four times??? No, I don't think so. No, I also don't agree the consumer should have to pay for accessing their file information, ESPECIALLY since the system is so inaccurate right now. Charge the CC companies and CA to add to the report and if they choose to access your file.
Re: Re: Credit Services are getting smarter No, I don't think it's fair. And as far as charging the CC companies and the CAs they do that too. Them suckers got all the bases covered when it comes to gouging the public. So what else is new?(LOL)
Re: Re: Re: Credit Services are getting smarter You're right about the EQ and TU prices for the yearly subscription. The actual cost is in the infrastructure, storage and bandwith. It doesn't cost anything to actually have the application send you a notice when your file changes. And it doesn't cost that much more to access your report once a day or four times a year. They already need a lot of bandwith for their business customers. I just jope next year EXP doesn't go to a 4x per year pricing model.
