® Announces $500 Product Guarantee

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Credit report provider proves its commitment to customers by guaranteeing that they will never be automatically enrolled in a credit monitoring service when purchasing their credit reports and scores®, a leader in credit report, credit score and credit monitoring services, today announced a $500 product guarantee to accompany its main credit report and score offering. recently changed its business model to lead with a product that allows consumers to simply buy their credit report with no trial of its credit monitoring service. This means that its customers will not be automatically enrolled in a “free trial” program that will result in them being billed after their initial purchase. The company is guaranteeing consumers that when they purchase their credit report and score from, they will not automatically be enrolled in any program or they will get $500.

“We know that sometimes people are reluctant to get their reports and scores online because they don’t see what is really ‘free’ about an offer that ultimately enrolls them in a paid credit monitoring service,” said, Samuel S. Ambrose, Vice President of Marketing & Operations for “We’ve made our offering 100% opt-in and taken away the additional step of calling to cancel, which people might forget to do. Our company believes that buying a credit report with no trial is the best way for our customers to quickly check their credit report and credit score, and we’re backing that belief up with $500 out of our own pocket if a customer is billed again as a result of purchasing their credit report from us.”

Ambrose notes that its new offering does give’s customers the ability to proactively opt in to their credit monitoring service at a discounted price, but it is not associated with a ‘free’ offer and there is no automatic enrollment in any program at any time. The company’s credit monitoring is a monthly service that consumers must pre-select and agree to pay for at the time of purchase.

Also, advises that credit monitoring is an excellent tool to help protect consumers from becoming victims of credit fraud and identity theft. These e-mail alerts may be the first indication of a valid credit inquiry, credit report inconsistency, inaccuracies in the consumer’s credit file or fraudulent activity within a credit file. However, they will no longer offer this important service as part of an offer where consumers are automatically enrolled.

The Fair Credit Reporting Act (FCRA), instituted by the Federal Trade Commission, states that consumers can check their credit report for free once per year from each of 3 major credit bureaus (Experian™, Equifax™ and TransUnion™). These reports do not include a free credit score although they can be purchased for a fee.

Consumers interested in buying their credit report with no trial can do so with without being automatically enrolled in any free trial programs.

Since 2004, has specialized in providing credit information and credit monitoring services to consumers to help them understand their credit report and score. encourages consumers to check their credit report on a regular basis.

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Allison Tomek
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