If everyone cancels before the 90 days? I would like to do this to, but I'm wondering if there's a catch. Also, my homeowner's insurance was increased by 10% when my ins. co. checked my CR's. Can I get free reports from all 3? TIA Claudia
If your insurance increased your rate due to credit reports, they are required to send you a notice indicating which report they pulled.
A LOT OF HASSLE SIGNING UP AND CANCELING AND SIGNING UP AGAIN... "IF" you get all 3 reports...as many times as you want...UP TO 365 OF THEM...$80 or $90 sounds like a deal...especially "IF" you get any "B" (I HAVE NEVER SIGNED UP FOR THAT SERVICE--SO I DON'T KNOW ALL THE FACTS OF WHAT YOU CAN AND CAN NOT DO)
It can be a lot of hassle when/if you RE-subscribe after cancelling your first membership. I re-subscribed once then paid for my year on that account. Cancelling is pretty easy--most people get the hard sell when they cancel, they never gave me trouble at all basically, "ok, you're cancelled, here's your confirmation number." After cancelling once, I found the service to be worth the $90/annual, which says a lot b/c I am miserably cheap around this time of year (saving up to pay the property taxes). When you ask how do they make money, it's because they offer the best credit monitoring option right now--to get a free rider like me to buck up for a paid subscription is nothing short of a miracle. Anyone is free to correct me, I'm always looking for a better deal but so far PG has been the best I've found. $.02 dep
I agree on the value. I never thought I'd want to use them after 90 days, but I've gotten used to their mistakes and simply look for changes from day to day. A change on PG usually indicates a change on the detailed report. I also subscribe to EQ's "gold" service. I will probably stop once my cycle of disputes slows down, maybe a few more months.
I never have paid a penny to PG. Just use a virtual Cr. card account for $1 limit when you sign up for the first time. I have had the service since Jan03 for free.
The theory behind the $1 dollar is simple. They ask for the $1 in order to 'capture' your credit card #. They expect that enuf people will not cancel thereby allowing them to charge the annual fee. Under the same umbrella company other services such as Shoppers Advantage and Travelers Advantage offer the same deal. It's the final PUSH to close on an impulse buy generally. If your a savvy consumer, you can capitalize - just keep good records and be sure to cancel on time Many of these schemes even offer a full refund of the annual if you cancel before the benefit year ends. good luck! fweem!
You may try, but basically it depends on what CRA your insurance company pulled from. If they pulled from all three - yes, you can get all three free reports, but if they pulled from, let say, TU only, then EQ and EX are not obligated to give you a free report.
Re: Re: Re: How does Privateguard make $$? I didn't say it's not possible, I said they are not obligated to do it ...
Re: Re: Re: Re: Re: Re: How does Privateguard make $$? kinda like creditexpert. Use a "Paypal Gift Visa with $5 on it" they will auth/charge $1 whatever all the time. you get the gist.
Re: Re: Re: Re: Re: Re: How does Privateguard make $$? They provide a decent service that I value so I paid the $90
