"Consumers face a annual credit report free credit report Washington bewildering variety of things to click on, some of which is valid, much of which is not," says Pam Dixon, executive director of the World Privacy Forum. The bureaus make annual credit report free credit report Washington no apologies for how and what they sell to consumers. The biggest bureau, Dublin-based Experian, reported $375 million in consumer sales in its fiscal year ended last April. "Unhappy consumers don't buy your stuff," Experian's Girard says. "We've been annual credit report free credit report Washington averaging about 20% growth in our direct-to-consumer business, year over year. That's due to happy consumers." Not all consumers are endeared with Experian. The company's well-known subsidiary, Consumerinfo.com, has been fined twice by the FTC. free credit report free credit score In August 2005, Experian paid the FTC $950,000 to settle charges annual credit report free credit report Washington that Consumerinfo.com misled consumers into subscribing to an $80-a-year credit-monitoring service. In February, Experian paid the FTC a smaller fine $300,000 to annual credit report free credit report Washington settle a second round of similar complaints.
Experian admitted no wrongdoing in either FTC case. On Consumerinfo.com'annual credit report free credit report Washington s home page, that disclaimer is in small, light blue lettering on dark blue background annual credit report free credit report Washington next to a large "order now" annual credit report free credit report Washington button for a credit monitoring subscription. free yearly credit report government In March, about a month after Experian paid its second FTC fine, Melissa Duenas, 28, a customer service representative in Denver, surfed to Experian.com in annual credit report free credit report Washington an attempt to annual credit report free credit report Washington obtain her free credit report.
She recalls being guided annual credit report free credit report Washington to a Web page where she typed in a credit card number, as directed, thinking it was part of verifying her identity.
Actually, Duenas had signed up for trial use annual credit report free credit report Washington of a credit-monitoring service. After a month of free service, Experian initiated a recurring $13-a-month charge, which was dropped only after Duenas complained. check credit rating The FTC and Experian annual credit report free credit report Washington say the service was properly explained.
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