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Freescore = Bad Deal

Ben Stein is tired of losing his money so he's going to take yours.

I can't really state this often enough. There's only one place to get free credit reports and that's AnnualCreditReport.com. Everywhere else is going to take your money and give you grief.

Freescore is that company that's been advertising with Ben Stein on TV and they've been at the same dirty tricks as all these bogus free credit score places. However, because of a blogger who posted that they're a "predatory bait-and-switch" and also pointed out that the parent company of Freescore is VERTRUE, INC who has a Better Business Bureau score of F for charging people unexpectedly and then hassling them to get their money back (quoted loosely from here).

Freescore decided to file a libel lawsuit that looks surprisingly bogus to Felix Salmon, a blogger at Reuters. Not only did they never accuse the blogger of posting anything false, but the only part of the post that could be considered libelous was a direct quote from Felix's blog in the first place!

Well, this nonsense is no surprise to anyone that's watched these companies taking people's money and providing nothing in return.

Remember, there is only one place to get free credit reports and that's AnnualCreditReport.com. Anyone else that offers you free credit reports is lying or has a gimmick.

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Lifelock Under 6th Class Action Lawsuit

Lifelock
(Image used under: Fair Use doctrine)

I have no idea how I missed this, but it's great news regardless!

If you signed up with Lifelock and are unhappy with their service or guarantee or just want further info on the class action you can contact David Paris at Marks & Klein, (732)-747-7100.

I almost wish I had signed up for Lifelock so I could get involved.

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Sue a Big Company In Small Claims Court

The Consumerist has an article about a reader who has taken big companies to small claims court several times to get resolution to his problem. His average cost is about $24 and 45 minutes of time.
See, in all cases, he hasn't even had to go to court: the company calls him up the day before the court date and gives him a settlement. It seems they prefer to do that then pay to fly a company representative who isn't fully versed on all the facts to court.
See the original article for the full story of how he does it. Tags: ,

How to Record A Phone Call And Save Your Butt

I’ve been on the wrong end of legal action due to someone else’s incompetence. Because I lived in a “one-party” state, I was able to legally record a call to an office WITHOUT TELLING THEM and use it in a phone hearing as evidence. Because of this, I was able to prove that I had been given the wrong instructions and it wasn’t my fault, but theirs. So there. If you’d like this kind of satisfaction, you either have to tell them that you’re recording the conversation (which will likely get you hung up on), or live in a state where it’s legal to record any conversation that you’re a part of (one-party state). Here’s the list on Consumerist.com If you live in a two-party state, about the best you can do is record it and use it to refresh your memory or put together a convincing case of what was said. But you won’t be able to use it as evidence and you might actually be breaking the law by recording it so beware. Oh, and just because they say “This call may be monitored… blah blah blah” doesn’t automatically give you permission to record it (though it should). Tags: ,

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