Credit reports and scores North Platte

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 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. In August 2005, Experian paid the FTC $950,000 to credit reports and scores North Platte settle charges 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 settle a second round of similar complaints. free credit report once a year

Experian admitted no wrongdoing in either FTC case.

On Consumerinfo.com's home page, that disclaimer is in small, light blue lettering on dark blue background next to a large "order now" button for a credit monitoring subscription. 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 an attempt to obtain her free credit reports and scores North Platte credit report. credit report score free She recalls being guided to a Web page where she typed in a credit card number, as directed, thinking credit reports and scores North Platte it was part of verifying her identity.

Actually, Duenas had signed up for trial use 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. The FTC and Experian say the service was properly explained. Consumer advocates advise credit data shoppers to remain extremely wary. "The credit bureaus continue to foster consumer confusion and profit handsomely," says Jeannine Kenney, senior policy analyst at Consumers Union. "It's a disservice to consumers." Shopping for a credit score can be mind boggling. 3 in one free credit report That's because, like Temple, most consumers are oblivious to the rising turf war between the Big credit reports and scores North Platte Three and Fair Isaac, supplier of the formula for calculating FICO, the score lenders most often purchase from the bureaus to determine a loan credit reports and scores North Platte applicant's credit worthiness.