Re: Re: Re: WARNING.......Privacy Guard George: I've been combing through FCRA and can't find a basis for what you said. Can you point me in the right direction ? I'm not arguing your point, I'm just looking for something to quote at them in case I do more than e-mail them about the mess. Thanks
Re: Re: Re: WARNING.......Privacy Guard According to myfico.com..... Note that it's OK to request and check your own credit report. This won't affect your score, as long as you order your credit report directly from the credit reporting agency or through an organization authorized to provide credit reports to consumers. I would say that Privacy Guard is authorized to provide credit reports to consumers, right? Therefore, it should be a soft, not a hard inquiry. ellemnop
Re: Re: Re: WARNING.......Privacy Guard I just got off the phone with PG, as well. They claim that consumerinfo.com is an entirely different company and that it is NOT them. It is strange, all my softs are from the same co. but now today I get nailed with a hard on TU when I pull PG! Consumerinfo.com is a site that DOES exist- my PG login info doesn't work there, though. VERY weird.
Re: Re: Re: Re: WARNING.......Privacy Guard Thanks, noted, ellemnop. Still would like to see some legal authority text that pertains though ! Sorry to be persistent but maybe I'm a little dense and just looking for some security here ! GEORGE !
Re: Re: Re: Re: WARNING.......Privacy Guard I Just pulled my report directly from TU and I have no hards from PG, but each time I pulled from PG is listed as a soft. Here is a paste from my report: The companies listed below obtained information from your consumer report for the purpose of an account review or other business transaction with you. These inquiries are not displayed to anyone but you and will not affect any other creditor's decision or any score. Subscriber Name Date CONSUMER INFO.COM Via:IPLACE.COM Permissible Purpose = CONSUMER INITIATED TRANSACTION 05/2003 CONSUMER INFO.COM Via:IPLACE.COM Permissible Purpose = CONSUMER INITIATED TRANSACTION 05/2003 CONSUMER INFO.COM Via:IPLACE.COM Permissible Purpose = CONSUMER INITIATED TRANSACTION 04/2003 CONSUMER INFO.COM Via:IPLACE.COM Permissible Purpose = CONSUMER INITIATED TRANSACTION 04/2003 CONSUMER INFO.COM Via:IPLACE.COM Permissible Purpose = CONSUMER INITIATED TRANSACTION 04/2003 CONSUMER INFO.COM Via:IPLACE.COM Permissible Purpose = CONSUMER INITIATED TRANSACTION 04/2003 CONSUMER INFO.COM Via:IPLACE.COM Permissible Purpose = CONSUMER INITIATED TRANSACTION 04/2003 CONSUMER INFO.COM Via:IPLACE.COM Permissible Purpose = CONSUMER INITIATED TRANSACTION 04/2003 CONSUMER INFO.COM Via:IPLACE.COM Permissible Purpose = CONSUMER INITIATED TRANSACTION 04/2003 CONSUMER INFO.COM Via:IPLACE.COM Permissible Purpose = CONSUMER INITIATED TRANSACTION 04/2003 CONSUMER INFO.COM Via:IPLACE.COM Permissible Purpose = CONSUMER INITIATED TRANSACTION 04/2003 CONSUMER INFO.COM Via:IPLACE.COM Permissible Purpose = CONSUMER INITIATED TRANSACTION 04/2003 CONSUMER INFO.COM Via:IPLACE.COM Permissible Purpose = CONSUMER INITIATED TRANSACTION 04/2003 CONSUMER INFO.COM Via:IPLACE.COM Permissible Purpose = CONSUMER INITIATED TRANSACTION 04/2003 CONSUMER INFO.COM Via:IPLACE.COM Permissible Purpose = CONSUMER INITIATED TRANSACTION 04/2003 CONSUMER INFO.COM Via:IPLACE.COM Permissible Purpose = CONSUMER INITIATED TRANSACTION 04/2003 CONSUMER INFO.COM Via:IPLACE.COM Permissible Purpose = CONSUMER INITIATED TRANSACTION 04/2003 CONSUMER INFO.COM Via:IPLACE.COM Permissible Purpose = CONSUMER INITIATED TRANSACTION 04/2003 CONSUMER INFO.COM Via:IPLACE.COM Permissible Purpose = CONSUMER INITIATED TRANSACTION 04/2003 CONSUMER INFO.COM Via:IPLACE.COM Permissible Purpose = CONSUMER INITIATED TRANSACTION 04/2003 CONSUMER INFO.COM Via:IPLACE.COM Permissible Purpose = CONSUMER INITIATED TRANSACTION 04/2003 CONSUMER INFO.COM Via:IPLACE.COM Permissible Purpose = CONSUMER INITIATED TRANSACTION 03/2003 CONSUMER INFO.COM Via:IPLACE.COM Permissible Purpose = CONSUMER INITIATED TRANSACTION 03/2003 CONSUMER INFO.COM Via:IPLACE.COM Permissible Purpose = CONSUMER INITIATED TRANSACTION 03/2003 CONSUMER INFO.COM Via:IPLACE.COM Permissible Purpose = CONSUMER INITIATED TRANSACTION 03/2003 CONSUMER INFO.COM Via:IPLACE.COM Permissible Purpose = CONSUMER INITIATED TRANSACTION 03/2003 CONSUMER INFO.COM Via:IPLACE.COM Permissible Purpose = CONSUMER INITIATED TRANSACTION 03/2003 CONSUMER INFO.COM Via:IPLACE.COM Permissible Purpose = CONSUMER INITIATED TRANSACTION 03/2003 CONSUMER INFO.COM Via:IPLACE.COM Permissible Purpose = CONSUMER INITIATED TRANSACTION 03/2003 CONSUMER INFO.COM Via:IPLACE.COM Permissible Purpose = CONSUMER INITIATED TRANSACTION 03/2003 CONSUMER INFO.COM Via:IPLACE.COM Permissible Purpose = CONSUMER INITIATED TRANSACTION 03/2003 CONSUMER INFO.COM Via:IPLACE.COM Permissible Purpose = CONSUMER INITIATED TRANSACTION 03/2003 CONSUMER INFO.COM Via:IPLACE.COM Permissible Purpose = CONSUMER INITIATED TRANSACTION 03/2003 CONSUMER INFO.COM Via:IPLACE.COM Permissible Purpose = CONSUMER INITIATED TRANSACTION 03/2003 CONSUMER INFO.COM Via:IPLACE.COM Permissible Purpose = CONSUMER INITIATED TRANSACTION 03/2003 CONSUMER INFO.COM Via:IPLACE.COM Permissible Purpose = CONSUMER INITIATED TRANSACTION 03/2003 CONSUMER INFO.COM Via:IPLACE.COM Permissible Purpose = CONSUMER INITIATED TRANSACTION 03/2003 CONSUMER INFO.COM Via:IPLACE.COM Permissible Purpose = CONSUMER INITIATED TRANSACTION 03/2003 CONSUMER INFO.COM Via:IPLACE.COM Permissible Purpose = CONSUMER INITIATED TRANSACTION 03/2003 CONSUMER INFO.COM Via:IPLACE.COM Permissible Purpose = CONSUMER INITIATED TRANSACTION 03/2003 CONSUMER INFO.COM Via:IPLACE.COM Permissible Purpose = CONSUMER INITIATED TRANSACTION 03/2003 CONSUMER INFO.COM Via:IPLACE.COM Permissible Purpose = CONSUMER INITIATED TRANSACTION 03/2003 CONSUMER INFO.COM Via:IPLACE.COM Permissible Purpose = CONSUMER INITIATED TRANSACTION 03/2003 CONSUMER INFO.COM Via:IPLACE.COM Permissible Purpose = CONSUMER INITIATED TRANSACTION 03/2003 CONSUMER INFO.COM Via:IPLACE.COM Permissible Purpose = CONSUMER INITIATED TRANSACTION 03/2003 CONSUMER INFO.COM Via:IPLACE.COM Permissible Purpose = CONSUMER INITIATED TRANSACTION 02/2003 CONSUMER INFO.COM Via:IPLACE.COM Permissible Purpose = CONSUMER INITIATED TRANSACTION 02/2003 CONSUMER INFO.COM Via:IPLACE.COM Permissible Purpose = CONSUMER INITIATED TRANSACTION 02/2003 CONSUMER INFO.COM Via:IPLACE.COM Permissible Purpose = CONSUMER INITIATED TRANSACTION 02/2003 CONSUMER INFO.COM Via:IPLACE.COM Permissible Purpose = CONSUMER INITIATED TRANSACTION 02/2003 It goes on to say that no one but me sees these requests and that they were all initiated by me. Now keep in mind that the last PG Report I pulled was on 5/02. Maybe this just started happening yesterday? I am scarred to pull my PG report until this is resolved. PS, I find it odd that PG is stating that they are no affiliated with Consumerinfo.com when I have it here in black and white so to speak.
Re: Re: Re: Re: WARNING.......Privacy Guard How does one dispute these hards without a TU report? Is there a number to call other than their regular 800 number? They always ask for your TU report #, wich I do not have. todd
Re: Re: Re: Re: WARNING.......Privacy Guard WILDOGS: Looks to me like it started 5/03. You may want to just wait for that resolution !
Re: Re: Re: Re: Re: WARNING.......Privacy Guard I tried to explain to the rep that I had at least a hundred softs that specify Consumerinfo.com as the place pulling my report. The dates coincide EXACTLY as the days I pulled PG. Their response? "I dunno". Great.
I just looked them up on BBB.org and here is some info for ya'll. Look at all of the different names they work under!!! Begin Paste : BBB Reliability Report Trilegiant Corporation 100 Connecticut Avenue Norwalk, CT 06850 General Information Original Business Start Date: July 2001 Type of Entity: membership services Principal : Mr. Robert J. Stevenish CEO and President Phone Number: (203) 956-1000 Fax Number: (203) 956-8789 Type-of-Business Classification: Buying Clubs/ Group Purchasing Org. The information in this report has either been provided by the company, or has been compiled by the Bureau from other sources. Customer Experience SUMMARY REPORT: According to information supplied by the company, Trilegiant Incorporated began business in July 2001 as a privately held business entity. Trilegiant is the successor to Cendant Membership Services Incorporated, a publicly held company that has reportedly gone out of business. Trilegiant continues to offer the same programs and continues to maintain the same customer base as Cendant Membership Services Incorporated. Trilegiant Incorporated offers a variety of membership programs to credit card customers. The company markets its services on a free trial basis for up to 90 days. If the customer does not cancel his/her membership by calling a toll-free number at the end of the free trial period, the company automatically renews the membership and charges an annual fee to the customer's credit card. The company continues to annually renew the membership unless canceled by the customer. Based on BBB files, this company has an unsatisfactory record with the Bureau due to a pattern of complaints concerning deceptive selling practices, unauthorized charges to consumers' credit cards, and non-cancellation of memberships following cancellation requests. The company has resolved most complaints presented by the Bureau, however some complaints remain unresolved or unanswered. If you have a complaint against Trilegiant Corporation, we suggest that you send a written complaint to the State of Connecticut Attorney General's Office, 110 Sherman Street, Hartford, Connecticut, 06105. If you are a resident of Florida, we suggest that you mail a copy of your complaint to the Economic Crimes Division, Office of the Attorney General, The Capitol, Tallahassee, Florida, 32399-1050. The Better Business Bureau maintains a separate report on Cendant Membership Services Incorporated. Additional Information Additional Doing-Business-As Names: AOL AutoVantage AOL Credit Alert AOL Netmarket AOL Travelers Advantage AutoVantage AutoVantage.com Buyers Advantage Citishopper CompleteHome Credentials Services Dental Plus Group Plan Dinner On Us Club Family FunSaver Club Great Fun Great Options GreatFun.com Health Saver Homeowners Savings Network Hot - Line Hot-Line Just For Me Macy's Hot-Line Netmarket Netmarket.com OurCompleteHome.com PrivacyGuard PrivacyGuard.com Sears Discount Travel Club Shoppers Advantage ShoppersAdvantage.com Today's Homeowner Values Travelers Advantage TravelersAdvantage.com Additional Addresses: 10015 S. Main(call center), Houston, TX 77242 P.O. Box 42390(call center), Houston, TX 77242 39 Lindeman Drive, Trumbull, CT 06611 80 Oakview Dr., Trumbull, CT 06611-4748 P.O. Box 111110, Trumbull, CT 06611 Additional Phone Numbers: 203-956-8789 Fax 800-318-6870 800-290-8603 713-667-9173 800-892-2833 800-374-8273 Additional TOB Classifications: Credit Card- Offers & Plans Credit Card- Protection Service My friend actually just tried cancelling his PG account before the 3 months was up, and he still got charged after he cancelled several weeks earlier. Something is not right with them.
Think I've found the link here: http://www.trilegiant.com/media/press_release.cgi/Corporate/42 EXPERIAN, TRILEGIANT AND CONSUMERINFO.COM FORM STRATEGIC PARTNERSHIP Alliance to provide online delivery of industry-leading credit content to 5 million PrivacyGuard members Costa Mesa, CA and Norwalk, Conn 09-18-2002 -- Experian®, Trilegiant and ConsumerInfo.com today announced the formation of a multi-year strategic partnership that will allow online delivery of a full range of credit services to Trilegiant customers. ConsumerInfo.com and Experian will provide online, direct-to-consumer credit-related products for use in Trilegiant's PrivacyGuard® branded credit protection service. These products include ConsumerInfo's three-bureau reports (Experian, Equifax (EFX) and Trans Union). Additional services will include maintenance and hosting of all credit-related Web sites for Trilegiant. "This agreement brings together the preeminent marketers of consumer credit services," said Ed Ojdana, president of Experian's Consumer Direct business unit. "Our expertise in the online market coupled with Trilegiant's dominance in the affinity market will bring consumers world-class products and services that will empower them to take control of their credit." Trilegiant's PrivacyGuard® currently provides paper-based credit-monitoring services to more than 5 million of its members through relationships with leading financial institutions and retailers. This new partnership will allow PrivacyGuard® members to access a full range of credit services online, such as instant credit reports and scores, three-bureau reports and immediate e-mail alerts when key information changes in their personal credit files. "This new partnership positions us to make PrivacyGuard® the industry standard for consumers who want to manage their credit online or offline," Trilegiant Senior Vice President Steve Upshaw said. "Before the end of 2002, our Web sites will be upgraded to offer all members improved reporting, monitoring and financial protection. This is an important enhancement for our members and our marketing partners who rely on our service to enhance the loyalty of their customers." ConsumerInfo.com has significant experience building online credit reporting and monitoring tools. It launched the industry's first online credit monitoring service in 1996. Most recently, ConsumerInfo.com distinguished itself as the first Internet site to offer an instant three-bureau credit report online, providing consumers access to their complete credit histories in seconds. It is the only report on the market that allows consumers to see all three of their credit scores. About ConsumerInfo.com ConsumerInfo.com gives consumers quick, easy and inexpensive access to their credit histories. Since its founding in 1995, the company has provided more than 5 million credit reports to U.S. consumers. Its Internet properties, which include FreeCreditReport.com, QSpace.com and CreditMatters.com, receive more than 11 million visitors monthly. ConsumerInfo.com was the first U.S. company to offer consumers online access to single-bureau credit reports, three-bureau credit reports and lender-style credit scores. It has developed prominent co-branded partnerships with top Internet properties such as Yahoo!, Quicken, LendingTree, E-LOAN, Earthlink, MSN HomeAdvisor and others. ConsumerInfo.com is an Experian" company and part of the GUS plc (London: GUS.L) family of companies. About Trilegiant Trilegiant Corporation, a leader in the membership services and loyalty businesses, provides products and services that touch the lives of more than 100 million Americans. Trilegiant's membership business offers exceptional value, savings, convenience and protection to its customers through services such as Shoppers Advantage®, Travelers Advantage®, AutoVantage Gold® and PrivacyGuard®. Trilegiant's loyalty business is the leading provider of full-service loyalty solutions to the financial services industry and other industries where product differentiation and customer retention are the primary focuses. Trilegiant, based in Norwalk, Connecticut, is the successor to Cendant Membership Services, Inc. and Cendant Incentives. For more information about Trilegiant visit its Web site at www.trilegiant.com. About Experian Experian® enables organizations to find the best prospects and make fast, informed decisions to improve and personalize relationships with their customers. It does this by combining sophisticated and intelligent decision-making software and systems with some of the world's most comprehensive databases of information on consumers, businesses, motor vehicles and property. Through multi-channel delivery of its Web-based products and services, Experian enables its clients to conduct secure and profitable e-business and develop state-of-the-art Customer Relationship Management (CRM) systems for communicating and building relationships with customers. Experian is a subsidiary of GUS plc and has headquarters in Nottingham, UK, and Costa Mesa, Calif. Its 12,000 people support clients in more than 50 countries. Annual sales are approximately $1.5 billion. For more information about Experian visit its Web site at www.experian.com. Press contacts: Terry Freedlander ConsumerInfo.com 714 385 2115 terry.freedlander@consumerinfo.com Anne Hunt Cheevers Trilegiant 203 956 8849 acheevers@trilegiant.com Donald Girard Experian 714 380 5647 donald.girard@experian.com
I talked to a PG rep and she said they are aware of the situation. She asked for my membership number and said she or someone from PG will contact me as soon as this is resolved. She doesn't think it will take more than 24 hours to get this fixed. Anybody else was told the same thing?
GreatFun.com This is good one... Oh... I don't think I am going to subscribe with them when my CW expire... No PG thank you very much for the great fun...
I just spoke with a rep and I was told to fax in a copy of the my report that shows the inquiry. The fax #307-771-2950 He also indicated to leave a contact number such that someone will get back to you. The Dept. that is investigating this is Privacy Guard Support Service. Hope this helps.
Dangit! PG is giving everybody different answer on how this should get resolved. There are people being told to dispute with Trans Union. Others (including me) are told that it will get fixed and we should wait for them to call us back within 24 hours. Then, others are being asked to send their report and blah blah blah. I have been satisfied with P.G.'s service until these past couple of days. I'm willing to give them another chance if they get this resolved. If they don't, do you guys want to file a class action suit? We can ask them to pay for atty's fees plus other damages.
But it seems these stories are coming from different reps and changing through the day. I agree, the stories should all be identical. However, I'm hoping they get their collective excrement together and have this all figgered out soon so they can fix us up across the board ! FWIW, I'm game for class action if it eventually comes to that !
I have two hards (Sun and Today), my wife has three (Sat, Sun and Today)! It started on Saturday when their website was having troubles! I was able to get a report for my wife processed Saturday, but not for myself, hence I don't have a hard on Saturday! Haven't I read that PG has problems with TU and splitting files? I'm not an IT guy, but I'd bet that they made a and it caused another problem? IT heads should roll!
