THIS STRUCTURE IS PERVERSE TO HOW PEOPLE SHOULD THINK OF GOOD FINANCIAL DECISIONS.
Global banking 1% created an INDUSTRY around chaining people to ever-increasing fines, fees, BAD reports with CREDIT REPORT/CREDIT SCORE corporations.
Individuals have no ability to SUE creditors or inaccurate reports-----no lawyer, cost prohibitive leaves no solution to FIXED GAME.
'Credit bureaus are required to produce accurate credit reports, and consumers have the right to sue creditors and the credit bureaus in certain instances. Specifically, that includes inaccurate information that continues to be reported after a consumer initiates a dispute that the credit bureau fails to investigate'.
Below we see a TYPICAL problem with CREDIT SCORE/REPORTS. Obama era FEDERAL STUDENT LOAN FRAUDS attacked millions of US citizens trying to do the right thing---FIX/PAY OFF THAT STUDENT LOAN. What global banking KNEW was the goal is the story below. They unleashed MORE FRAUD against citizens trying to get their CREDIT FIXED because most want to pay down debt.
'A corporation is committing fraud and crushing my credit…
A corporation is committing fraud and crushing my credit score because of it by saying I haven't paid on my $10,000 student loan. The reality is, I did miss payments due to financial hardship. The total sum was roughly $800. I offered to pay it so it would be current, they refused, then they did a "charge off" to a collections agency who now wants roughly $14,000 due to collection fees.
Lawyer's Assistant: Because consumer protection law varies from place to place, can you tell me what state this is in?
Lawyer's Assistant: Have you contacted the seller or manufacturer?
Lawyer's Assistant: Anything else you want the Lawyer to know before I connect you?
I have all the documents to show I have been paying for the past year and a half while they have been reporting to the credit bureaus that I have "failed to pay" which has cost me a LOT of problems'.
So, someone has a STUDENT LOAN DEBT on CREDIT REPORT that should not be there-----and they must go to a CREDIT REPORT/CREDIT SCORE CORPORATION who then charges more fees more fees to shed that fraud.
REMOVING A FRAUD ALERT WITH WHICH YOU HAD NOTHING TO DO.
PAY FOR DELETE ------
Remember, this is what CHINESE SOCIAL CREDIT SCORE is based and it is GLOBAL BANKING------you know Chinese global 1% are NOT COMMUNISTS after all.
Can You Pay to Remove a Bad Credit Report?
Paying to remove negative credit info is possible, but may not succeed
By Rebecca Lake
Updated Feb 11, 2020
A bad credit score can work against you in more ways than one. When you have poor credit, getting approved for new loans or lines of credit may be difficult. If you qualify, you may end up paying a higher interest rate to borrow. A low credit score can also result in having to pay higher security deposits for utility or cellphone services.
In those scenarios you may consider a tactic known as “pay for delete,” in which you pay to have negative information removed from your credit report. While it may sound tempting, it’s not necessarily a quick fix for better credit.
- "Pay for delete" is an agreement with a creditor to pay all or part of an outstanding balance in exchange for that creditor removing derogatory information from your credit report.
- Credit repair is paying a company to contact the credit bureau and point out anything on your report that is incorrect or untrue, then asking for it to be removed.
- You can do your own credit repair, but it can be labor intensive and time consuming.
‛Pay for Delete’
Defined First, it’s helpful to understand what it means to pay to have bad credit report information removed. According to Paul T. Joseph, attorney, CPA, and founder of Joseph & Joseph Tax and Payroll in Williamston, Mich., “Pay for delete is essentially when you are contacted by your creditor, or you contact them, and you agree to pay a portion or all of the outstanding balance with an agreement that the creditor will contact the credit bureau and remove any derogatory comments or indications of late payment on the account.”
A pay for delete letter should include:
- Your name and address
- The creditor or collection agency’s name and address
- The name and account number you’re referencing
- A written statement saying how much you agree to pay and what you expect in return with regard to the creditor removing negative information
Consumers have the right to sue credit bureaus and creditors with regard to inaccurate information that, once disputed, is not investigated and, if warranted, removed.
Is Pay for Delete Legal?
The Fair Credit Reporting Act (FCRA) governs credit reporting laws and guidelines. Anything that a debt collector, creditor, or credit bureau does regarding a credit report will be based on the FCRA, says Joseph P. McClelland, a consumer credit attorney based in Decatur, Ga.
Credit bureaus are required to produce accurate credit reports, and consumers have the right to sue creditors and the credit bureaus in certain instances. Specifically, that includes inaccurate information that continues to be reported after a consumer initiates a dispute that the credit bureau fails to investigate.
Technically, pay for delete isn’t expressly prohibited by the FCRA, but it shouldn’t be viewed as a blanket get-out-of-bad-credit-jail-free card. “The only items you can force off of your credit report are those that are inaccurate and incomplete,” says McClelland. “Anything else will be at the discretion of the creditor or collector.”
Removing Collection Accounts From a Credit Report Whether your attempts to pay for delete are successful can depend on whether you’re dealing with the original creditor or a debt collection agency. “As to the debt collector, you can ask them to pay for delete,” says McClelland. “This is completely legal under the FCRA. If going this route, you will need to get that in writing, so you can enforce it after the fact.”
What you have to keep in mind, however, is that paying for delete with a debt collector may not remove negative information on your credit history reported by the original creditor.
The creditor may claim that its contract with the debt collection agency prevents it from changing any information it reported to the credit bureaus for the account. That said, some debt collection agencies take the initiative and request that negative account information be deleted for customers who have successfully paid their collection accounts in full.
Removing Bad Credit History With Credit Repair
Hiring a credit repair firm is another option for paying to delete bad credit information. “Credit repair agencies essentially do the work for you by contacting the credit reporting agencies and providing objections to errors contained in the report or requesting that items that are untrue or incorrect be removed from the report,” says McClelland. In this instance you’re not necessarily paying off any outstanding balances.
However, you will pay a fee to the credit repair firm to act on your behalf in having negative information removed.
$30 to $100
The typical monthly fee for a credit repair company
The fees a credit repair company charges can vary.
Typically, there are two types of fees: an initial setup fee and a monthly service fee. The initial fee can range from $10 to $100, while the monthly fee typically runs between $30 and $100 a month, although some companies do charge more.
When considering the fees, it’s important to weigh what you’re getting in return.
According to the Federal Trade Commission, credit repair firms can’t legally do anything for you that you can’t do for yourself. You just have to be willing to spend the time reviewing your credit reports for negative or inaccurate information, reaching out to the credit bureaus to dispute that information, and following up on those disputes to make sure they’re being investigated.
If you decide that the time-saving aspect of working with a credit repair firm is worth your money, research any companies you’re considering working with thoroughly. Joseph says most credit repair agencies are legitimate, but if you come across one that’s making promises that seem too good to be true or using methods to repair credit that aren’t covered by the FCRA, that’s a red flag that the company might be a scam.
Also consider the timing before pursuing credit repair services. “After several years of being on your report, the negative impact on your credit score has likely passed,” says McClelland. That’s because, eventually, negative information can fall off your credit report automatically. Late payments and collection accounts can stay on your credit history for up to seven years. A chapter 7 bankruptcy filing can stay on your credit report for up to 10 years.
Paying your bills on time has the single biggest impact on your credit score.
Repairing Bad Credit Yourself
If you’d rather not pay for delete or pay a credit repair firm, there are a few steps you can take to begin getting your credit back on track.
- Review your credit reports for negative information that’s inaccurate. Initiate a dispute of inaccuracies or errors online with the credit bureau reporting the information.
- Consider having someone you know with a strong credit history add you to one of their credit cards as an authorized user. This can transplant that person’s positive account history to your credit report.
- Research credit builder loans and secured credit cards as additional credit-building options.
- Get in the habit of paying your bills on time monthly. Payment history has the most significant impact on credit scores.
- Weigh the pros and cons of debt settlement to resolve collection accounts or charge-offs.
The Bottom Line
Bad credit doesn’t have to be a permanent situation. There are things you can do, including pay for delete, to help your credit recovery. Paying to have bad credit removed can be effective, but it’s worth exploring other options if you don’t have money to pay off an outstanding balance or cover the pricey fees a credit repair firm can charge.
CLINTON/BUSH/OBAMA were the ROBBER BARON sacking and looting criminal pols who worked with global banking to create these banking policies. Placing people with BAD CREDIT in the hands of an INDUSTRY filled with criminal entities ------makes it impossible for that consumer of debt relief to FIX THE CREDIT.
Below we see from the FEDERAL STUDENT LOAN FRAUDS-----the scam was sending in different COLLECTION COMPANIES over and over and over each time that new COLLECTION COMPANY took the account----the consumer paid ---repaid ---repaid and more fees, fees, fines to get to thousands of dollars over the original debt. We see this below.
'Typically, there are two types of fees:
an initial setup fee and a monthly service fee. The initial fee can range from $10 to $100, while the monthly fee typically runs between $30 and $100 a month, although some companies do charge more'.
That fraud was the LOAN HANDLER------below we the see the fraud in the COLLECTION AGENCIES partnered with the LOAN HANDLER. If the LOAN HANDLER is committing fraud----they will hand off to COLLECTORS who are committing fraud. This industry SOARED during OBAMA era and is still happening.
So, how does a US citizen who falls temporarily into DEBT actually get out of debt? Not by LOAN HANDLERS-----not by COLLECTION AGENCIES-----not by CREDIT REPORT/SCORE CORPORATIONS.
8 Ways to Recognize Debt Collector Scams
Watch out for these red flags with fake debt collection agencies
By LaToya Irby
Updated February 10, 2020
If you've been receiving debt collector phone calls or letters, you need a way to tell real collection agencies from fake ones so you don't get scammed.
Businesses often hire third-party debt collectors to pursue past-due accounts. For example, a credit card issuer might hire a debt collector to go after you for a charged-off account. Those are legitimate attempts to collect on a debt you owe.
However, while some debt collectors contact you to collect on actual debts, there are scammers who pose as collection agents to trick you into paying money for debts that have already been paid or canceled or that don't even exist. Here are eight ways to recognize debt collector scams so you can ensure you aren't duped out of your money.
The Debt Collector Pushes You to Pay Right Away
Most debt collectors will use a certain amount of pressure to convince you to pay the debt. After all, they often don't get paid unless you pay. But be suspicious if a debt collector seems to use an unusual amount of pressure to get you to pay immediately, particularly if they use scare tactics.1
Be wary of threats and pressure to act immediately. If a caller threatens to hit you with a lawsuit if you don't make a payment right away, he could be a scammer.
They Ask You to Pay via Wire Transfer
Legitimate debt collectors will accept a variety of payment methods including check, debit card, or credit card. Some may even offer online payments via a portal linked directly from their website.
A sure sign of a collection agency scam is a collector that wants you to pay via wire transfer or another method that can't be traced, such as a prepaid card. If the payment method can't be traced, you'll have a harder time getting help from authorities.2
You Don't Recognize the Creditor or the Account
You do business with lots of different companies during your life. It's possible that a collector could contact you about an account that you've long forgotten about.
However, if the creditor sounds completely foreign, or you know you never had an account with that business, there's a chance it's a scam. Never pay a debt you don't recognize. You have the right to request proof of the debt from the debt collector in the form of a validation letter before you send payment.3
Remember, you don't have to act right away, even if the debt collector is pressuring you to. You can hang up, collect your thoughts, and find out more information about the debt they're calling you about.
You can also check your credit report for an account from that particular creditor. Note that negative accounts fall off your credit report after seven years, so not finding the creditor on your credit report doesn't necessarily mean the debt collection is a scam.
Even if you recognize the creditor, it doesn't mean you're not being scammed. When you request verification for the debt, the debt collector has to provide you with proof of the debt and proof they're authorized to collect on the debt.5 Scammers may have accessed information about accounts you've previously held and use this information to trick you into paying.
You Can't Find Anything on the Internet When You Look up the Phone Number
One way to check whether a debt collector is a scam is to search the internet for their phone number. Often, you'll find web pages where other consumers have commented on the debt collector and the business they collect for. If, however, you look up a phone number and receive no results, or if you see others commenting that the company is a scam, then you know to avoid sending any payment to that company.
You're Threatened With Jail Time
It's illegal for a debt collector to lie to you, threaten action they can't take, or to pose as government officials.3 Legitimate debt collectors aren't as likely to use these illegal tactics because they don't want to put their business at risk by breaking the law.
Scammers, on the other hand, aren't concerned about following debt collection laws.
The Debt Collector Asks You for Information
They Should Already Have
Not every debt collection scam aims to trick you into sending payment for a debt. Many are seeking personal information they can use to commit fraud or identity theft—a process known as "phishing."
When creditors hire debt collectors, they give them a certain amount of information about you. That often includes your name, address, date of birth, account number, and some or all of your Social Security number. Be suspicious of a debt collector that calls asking for any of this information.
But just because a caller has a lot of information about you, it doesn't mean they're not scamming you. With so much information about you on the internet and social media, debt collection scammers can gather enough information to make you think they're real.
They Won't Give You Their Company's Contact Information
Debt collectors are required by law to identify themselves when they're on the phone with you.6 Real debt collectors should be willing to give you the name of their company, their phone number, and their mailing address.
You need the mailing address in particular so you can send a letter requesting proof of the debt before sending payment.
The Collection Isn't on Your Credit Report
There are some legitimate situations where a real collection may not be on your credit report. If the account is past the credit reporting time limit (usually seven years), the debt collector can't legally add the account to your credit report. Sometimes there's a delay between the time a collector receives the debt and when it reports it to the credit bureau.
Even knowing that there are some exceptions, not seeing a collection on your credit report can sometimes be a sign that the collection is a scam.7 Use other methods to verify the debt collector before you consider making payment.
If You Think You're Being Scammed
If you suspect you're being scammed, you can hang up immediately. Next, you must carefully vet any debt collector before sending payment. There's a chance the company is pursuing a real debt, but if they're not, you don't want to give them your money or your information.
If you think your caller is a scammer, you can take the following steps to protect yourself:1
- Ask the caller for his name, company, mailing address, and phone number.
- Refuse to give him your personal or financial information.
- Hang up and write a letter requesting them to stop calling you.
- Send a letter requesting proof of your debt. If a collection agency doesn't return proof or the proof isn't enough to show that it's a real debt, the agency isn't allowed to continue to contact you.
- Contact your creditor to check whether they've hired this collection agency.
- Report the call to authorities.
Unfortunately, if you fall for a scam and send payment, you may not be able to get your money back, especially if you wired payment or used a prepaid card.
CREDIT REPORT/CREDIT SCORES are affected by all kinds of consumer debt---we are simply choosing medical debt because it is the LARGEST debt sector in US. Elizabeth Warren was a CHAMPION of BANKRUPTCY LAW both corporate bankruptcy and personal bankruptcy. Ergo, citizens choosing to discharge MEDICAL DEBT via bankruptcy.
What has happened last decade is a open door for global medical corporations to bring DEBT COLLECTION back on the table via HITTING people having MEDICAL DEBT.
'What Debt Can Be Discharged |
Prescott Pearson & Tande, PAwww.prescottpearson.com/bankruptcy-blog/...
medical bills: Medical debt can be discharged in a Chapter 7 bankruptcy. This is one of the easiest debts to discharge in a bankruptcy case (and sadly one of the most common types of debts we see in bankruptcy)'.
I had some medical debt but did not go into bankruptcy rather it was discharged via MEDICAID and grants. Yet, on THE NETWORK I am continually told I am being HIT-----I am in a forced MEDICAL STUDY because of that medical debt. Now, however debt is discharged, a person cannot be ATTACKED INSIDE THEIR HOME in some form of debt collection.
As well, SOCIAL SECURITY AND MEDICARE are NOT WAGES-----BARBER SURGEONS cannot threaten to attach to your benefits for what is called MEDICAL DEBT.
'Be aware that a collection agency also has the right to report a debt on your credit report, sue you, and garnish your wages (with the court’s permission)'.
DEBT COLLECTORS ALLOWED ON THE NETWORK TO HARASS PEOPLE NOT HAVING AN ABILITY TO FACE THAT PRESUMED DEBTOR.
This is illegal -----
Fake Debt Collectors
Consumers across the country report that they're getting telephone calls from people trying to collect on loans the consumers never received or on loans they did receive but for amounts they do not owe. Others are receiving calls from people seeking to recover on loans consumers received but where the creditors never authorized the callers to collect for them.
So what's the story?
The Federal Trade Commission (FTC), the nation's consumer protection agency, is warning consumers to be on the alert for scam artists posing as debt collectors. It may be hard to tell the difference between a legitimate debt collector and a fake one. Sometimes a fake collector may even have some of your personal information, like a bank account number.
HOSTING SERVER NOSY NEIGHBORS AND THE GANG are organized crime and 24/& video PORN but they have many hats ---one being DEBT COLLECTORS. HOSTING SERVER BARBER SURGEONS in US global medical schools have expanded overseas partnering with third world nations using their campuses to recruit and train MEDICAL STAFF including DOCTORS. What they are doing which is CRIMINAL ---ILLEGAL -----is sharing telemedicine video of US PATIENTS with overseas trainees. There is absolutely no ACCOUNTABILITY OR ATTEMPT to keep these video contained ergo, these video fill the DARK WEB as PORN.
NOSY NEIGHBORS AND THE GANG constantly telling me I am OWNED ---I am A SLAVE ----I work for them can be wearing the HAT of a collector of medical debt while tied to an AFRICAN MEDICAL corporation.
In Africa debt collection comes with making WOMEN PORN------forced SEX TRADE for medicine and KNOW WHAT? Those US medical corporations expanded overseas KNOW THIS.
'Women forced into sex to pay hospital bills, study says ...
bhekisisa.org/article/2018-01-16-00-women-forced... Jan 16, 2018 ·
We need to do more research on this and the global health community needs to start taking this seriously.” While exact numbers of medical detentions are unknown, in some countries the practice is so common that patients consider it “normal” for hospitals to detain those who cannot pay their bills'.
HOSTING SERVER BARBER SURGEONS say-----we can't stop them they are doing BUSINESS. Our US 99% of WE THE PEOPLE no doubt have family members having some debt----maybe medical debt------so, when this debt is sold to overseas third world businesses for collection------
THIS IS ONE MAJOR SOURCE OF HITTING.
I find a video of a US young woman on FACEBOOK suffering from POST-PARTUM DEPRESSION in all her glory----in bed---on the toilet ----for all to see----this is a NOSY NEIGHBORS AND THE GANG---VIDEO and it is PORN and it is connected to a MEDICAL TELEMEDICINE FOLLOWUP of that patient.
'Women in sub-Saharan Africa forced into sex to pay hospital ...
This attitude that US women owing debt can be exposed to SEX TRADE for debt payment is what is happening HERE IN BALTIMORE and your neck of the woods.
So, one reason for MY CASE against NOSY NEIGHBORS AND THE GANG can be just this---someone has decided I owe DEBT of which I know NOTHING ABOUT.
Women in sub-Saharan Africa forced into sex to pay hospital bills, study says
This article is more than 2 years old
Patients too poor to settle medical debts are chained to drainpipes, starved and abused in health centres across parts of Africa and Asia, report reveals
Hospitals are detaining hundreds of thousands of people against their will every year – many of them mothers and their newborn babies – simply because they are too poor to pay their medical bills, a study has found.
The practice, which is widespread across parts of sub-Saharan Africa and Asia, sees patients chained to drainpipes, starved and abused, and forced to perform sexual acts in exchange for cash to pay off their bills, according to the paper published by Chatham House this week.
Campaigners are calling on the global health community to take immediate action against medical detentions ahead of a high-level forum in Tokyo on universal healthcare, which begins on Tuesday. The UN, World Health Organization and World Bank will meet world leaders to discuss ways to improve healthcare for all by 2030.
“This is a systemic problem, and the number of rights abuses is quite profound: people are being detained without trial, they’re being locked up with security guards, and women are giving birth to babies who are entering the world, in effect, as prisoners,” said Robert Yates, project director at the Centre on Global Health Security, who co-authored the paper.
“Healthcare user fees are at the root of the problem, and this just shows how bad a privately financed health system can get. We need to do more research on this and the global health community needs to start taking this seriously.”
While exact numbers of medical detentions are unknown, in some countries the practice is so common that patients consider it “normal” for hospitals to detain those who cannot pay their bills. Politicians have used it to their advantage in the run-up to elections. Recently in Nigeria, an aspiring governor paid off a number of patients’ bills at a public hospital in Osun state, while the wife of a state governor in Abia showered nursing mothers with gifts, and paid off their bills, after visiting them in a hospital presided over by her husband.
Those most at risk of being detained are the poorest people, according to the paper, among them those needing emergency treatment and pregnant women, with many of them resorting to desperate tactics in order to escape detention.
Over a six-week period in 2016 in one health facility in the Democratic Republic of the Congo, 54% of women who had given birth and were eligible for discharge were detained for nonpayment of user fees, according to the study, with many women and children held for months at a time. In a Nairobi hospital in Kenya, women who had been detained post-childbirth for fees amounting to 210,000 shillings (£1,500), were having sex with doctors for as little as 300 shillings (£2.16) in order to pay off their bills.
“Healthcare really needs to be free of charge to the patient, because this is the consequence of making patients pay, and it is the worst situation in a whole range of very difficult situations: they may get the medical care they need but then they, or their belongings or their ID papers, are kept hostage,” said Dr Mit Philips, health policy advisor at Médecins sans Frontières.
“Unfortunately, because many of these health facilities don’t receive sufficient funding to provide adequate care even when patients can afford to pay, this is the kind of economic logic that results. If we’re serious about universal health coverage, then abolishing user fees would be a good place to start.”
We will end on CREDIT REPORT/CREDIT SCORE public policy by reminding our US 99% WE THE PEOPLE that global banking 1% created this CREDIT REPORT INDUSTRY------it is not working for THE PUBLIC-----and it is PREDATORY as is all financial industry corporations. The mantra of FREE CREDIT REPORT by three major CREDIT CORPORATIONS is a false flag. It looks to be providing info but the search is very SUPERFICIAL. One can look at that FREE REPORT and not see what a BANK OR RENTAL CAR agency may see. These sites prompt you to connect a credit card to get more info---including a FICO score -----costing only $1-------then they have your credit card number.
Since the job of these corporations is to hook a consumer to more and more services ----that credit card number becomes a MONTHLY FEE for reports-----$35 or a fee for a larger debt search for $100.
Can a person who tries to use one of these three corporations get their credit card loose from this TRIAL PERIOD?
Free Credit Report - Experian
www.experian.com/consumer-products Under federal law you are entitled to a copy of your credit report annually from all three credit reporting agencies - Experian, Equifax ® and TransUnion ® - once every 12 months. To get your Experian annual credit report online, and by phone or mail, visit www.AnnualCreditReport.com.
We try to use BANKS or RETAIL to generate a credit report ----or do the leg work ourselves.
Credit Report Cost
How Much Does a Credit Report Cost?
Federal Law Requires: Free Credit Report Every 12 Months
One-Time Credit Report and Score: $15-$40Credit Monitoring Subscription: $155-$240 a Year
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A credit report is a record of an individual's credit history, including their identity, current credit levels (mortgage, credit cards, loans, etc.) and public record information (court judgments, tax liens or bankruptcy proceedings). A credit score is a number based on the details in the credit report. There are three national credit bureaus -- Equifax , Experian and TransUnion -- and each assigns a credit score based on the information it collects, so the scores vary. Note that many lending institutions use the FICO score to decide who qualifies for a loan, at what interest rate and with what credit limits.Typical costs:
- Under federal law, every 12 months each consumer is entitled to one free copy of his or her own credit report from each credit bureau. Request a report at AnnualCreditReport.com or by calling (877) 322-8228. The free reports can be requested from all three companies at the same time, for a free annual credit overview, or ordered from one company at a time, four months apart, for more frequent free credit information.
- AnnualCreditReport.com is the official site where consumers can obtain their credit reports for free. There are look-alike sites, like the much-advertised FreeCreditReport.com, but these sites provide a "free" report while automatically enrolling the consumer in a monthly service with monthly fees. The Federal Trade Commission has issued a consumer alert about websites that offer a "free credit report" but actually sign consumers up for a monthly credit monitoring service.
- The free credit report does not include a credit score, which must be purchased. Each credit bureau offers several services, including reports and scores from the other bureaus. Typically it costs $15-$16 for a one-time credit report and score from a single credit bureau, or $30-$40 for credit reports and scores from all three bureaus. The three companies also offer monitoring services for $13-$40 a month ($156-$480 a year) providing ongoing access to the consumer's credit report and scores plus options like email alerts if there are key changes, daily internet ID scanning, automatic fraud alerts or ID theft insurance. For example, Equifax offers one-time reports and scores for $15.95-$39.95 and monitoring services for $12.95-$19.95 a month ($155-$240 a year).
- All three credit bureaus offer a free or $1 deal for a credit report and score, but these typically require a credit card number to register and after a "trial" period ends the credit card is automatically charged a monthly fee for credit monitoring. For example, Experian offers a "$1 credit score and report" but after 30 days the credit card is automatically charged $12.95 a month until the monitoring service is cancelled.
- Other companies provide credit monitoring services. For example, Costco offers its members an IdentityGuard program with monthly credit updates and $20,000 in identity theft insurance for $7.49 a month ($89.88 a year).
- Running a credit check on potential tenants or employees can be done directly with the three main credit bureaus for their standard fees or through companies that specialize in obtaining credit checks and other information (such as criminal background checks) for landlords or employers. For example, YouCheckCredit.com charges landlords $14.95 for a TransUnion credit report, $9.95 for an eviction report and $4.95 for prior address history verification; while MrLandlord.com charges $59 for a site inspection of the rental premises, then two credit checks are free and additional checks are $9.95 each.