FreeCreditReport.com and Craigslist Scam
Recently my girlfriend and I went out looking to upgrade our apartment; mainly to provide a yard for the dog and space to grow vegetables. Since the rental market is currently in the favor of renters right now, and our lease was nearing term, we trekked around town with my laptop checking out westsiderentals.com and craigslist postings. Through the course of the process I found the following scam.
We find a posting with a brief description of the property (terse would be more like it, but that’s pretty standard for craigslist) accompanied by some photos and a link to an external website. The external site had some more photos and a little “request more information” form. The domain was a little strange, something like “azoosie.com” or similar garbage, but I poked around the site and found other rentals listed, complete with photos, and the whois information for the domain was a PO Box in my neck of the woods. PO Boxes aren’t too uncommon for landlords to do around here, so I figured it was originally some vanity website, the name of a pet, or the like.
After doing a drive-by of the neighborhood (the exact address wasn’t listed) and contacting the landlord to schedule a walk-through, she states something along the lines of “I’m out of town for a couple days, so I’ll give you a ring when I get back. I’ve been getting a lot of interest on this property, so it’d save me some time if you can bring a credit report. If you want, you can get them at freecreditreport.com.” Note that isn’t a direct quote, but it is the gist of the email, and the link was definitely to freecreditreport.com. As a landlord myself, I’d never want to trust a applicant-supplied credit report, I’d want to run it myself — but again, this isn’t all that uncommon around here.
My first instinct was to just provide a credit report downloaded directly from one of the three credit reporting agencies, but I figured, “hey, this place has potential, and if that’s the format she prefers, I’ll go ahead and do that.” I read all the fine print on freecreditreport.com, downloaded my report, and emailed to request my account be terminated. See, freecreditreport.com (owned by their parent company, consumerinfo.com), requires a credit card number in order to view even the single free report, stating that they’ll bill you $14.95/month if you keep the account longer than 7 days. It also costs extra money if you want to enroll in their TripleAdvantage credit monitoring service, which will come into play in a moment. But, at this time, I haven’t enrolled in it, nor in any other service of theirs that is incurs a fee.
The next day, I haven’t received a confirmation, and that’s when I realize you have to call in to cancel your account. I do so. I receive no confirmation.
In the meantime, I inform the landlord that I have a credit report, and would like to schedule the walk-through, but the landlord turns to vapor. No responses. Their website turns to a parked domain after a couple days. People start flagging the poster’s listings on craigslist, even after the poster starts using different domains.
When my next credit-card bill comes in, I see a charge from freecreditreport.com. I contest the charge with my credit card company, and go to file a report with the Better Business Bureau — that’s when I notice they have a crap-ton of reports filed against them for shady business practices, deceptive advertising, and incorrect billing. I call them up again, explain my situation, and they say they “have no record of my cancellation request.” I tell them that is their fault, and adamantly request, several times over, that my account should be cancelled. They just keep asking “Are you sure? This is a great membership! And there’s been changes to your credit history since you last checked, you want to find out what they are, right? It’d be wise to keep your account!” Eventually they capitulate, after perhaps five or six requests, and state that I’ll receive a confirmation of termination email in one day, as they claimed before.
After returning to the BBB site and finishing my complaint, I notice I have a new email in my inbox: an email from freecreditreport.com saying “Welcome to TripleAdvantage Credit Monitoring!” Wait, what? Instead of terminating my account, they upgrade me to a more expensive service? Pardon?
I have to call back again, go through the same process again, inform them that I’m contesting all charges, reporting them to the BBB, and finally, when I get back to my inbox, I have an account termination confirmation.
All in all, a very shady service. And beware of their salespeople trolling craigslist, requesting you to create account there — especially when it’s not a hard sell.