I consider myself a consistently responsible person. So, in January I decided to check my free annual credit report. I went on this website called FreeCreditReport.com because I thought it was free.

Turns out they’ve been charging me a $12.95 membership fee for the past 2 months. I only noticed this after I looked at my bank statement and it read “Triple Advantage.” I was like what the “F” is this?!

After doing a quick Google search I came to the realization that the website I had used earlier was charging me a membership fee. This is an unethical bait and switch scam.

Experian, the company that runs FreeCreditReport.com, should have a class action lawsuit filed against it for swindling people into paying monthly fees without their consent.

After learning of this yesterday, I tried to go online to cancel the membership, but there is no option for that on their website. Then, I tried to call their 800 number (887-481-6826) last night, but their call center was closed.

This morning I called and finally got through to someone: a female representative that kept trying to hustle me into keeping my membership. She sounded sympathetic but kept trying to install fear of credit theft in me. After saying CANCLE MY ACCOUNT more than 9 times and raising my voice a little louder, she finally cancelled my membership.

This is BS and I want all my friends to make sure this doesn’t happen to them. The next time you want to get your credit report online use: AnnualCreditreport.com. This is completely free without the unscrupulous business practices employed by Experian.