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Some of the worst mistakes of my life have been haircuts.

— Jim Morrison

CreditReport.com Employee Fights Back!

RJ45

UPDATED 05.18.2009: THE PERSON IN QUESTION IS APPARENTLY CLAIMING HE WAS "SET UP" AND THAT IT REALLY WASN'T HIM WHO POSTED THAT COMMENT. SO, I WILL CENSOR HIS NAME AND PICTURES

UPDATED 04.09.2009: ANOTHER EMPLOYEE REPLIES. THIS TIME IS SMART ENOUGH TO REMAIN ANONYMOUS AND TELLS MORE TRUTHS ABOUT CREDITREPORT.COM LOOK AT THE BOTTOM OF THIS POST FOR UPDATE


Fourteen months ago, The Ninja Style posted her article on CreditReport.com (NOT to be confused with the catchy jingle-singing FreeCreditReport.com)

That article can be found here: Consumers Beware: CreditReport.com

Well, it is one of the more discussed posts that still gets comments today thanking NinjaStyle for her post and posts from people with similar experiences.

To give you the jist of it, here are some of the highlights of that article:

"This time I called the 800 number and sat on hold for an hour and a half.... ...The woman at retention said that if I would lift the block off my credit card, and accept their one time $75 fee, they would no longer charge me...

...The woman sent me to a supervisor, where I sat on hold without hold music for nearly half an hour. The supervisor put me on speaker phone, causing a horrible echo from both him and me. A tactic more than a few aggressive retention companies will do to convince you to hang up. As if the hold time with no hold music, wasn't enough!

The supervisor threatened me with a lawsuit, claiming I signed a contract to stay with the company for a year. When I asked for a copy of this contract to be mailed to me, they told me they could only Email it. But they knew full well my Email wasn't working. I pressed the issue, and was told, "We can't print the contract out."

I returned with, "So how exactly is this going to hold up in court? What are you going to do, Email the judge?"

I still laugh at "email the judge" comment. Good times, I say.

Anyway, you knew it had to be only a matter of time before we heard from CreditReport.com. Well, the other day, my prayer came true and we got a post from somebody who claims to work for CreditReport.com.

"Name: worker for credit report.com

i am a worker for creditreport.com i understand why people are upset about being charged, but if you weren't so dumb and read everything on the page you might have noticed you would have had a trial, you people see free free free and don't ready anything else, also what idiot agrees to terms and conditions without reading the terms and then you give a credit card number for something that is free, if the service was completely free why do we need your card number why do we even need to no if you have a credit card at all,  if a website has words on it besides free you should read the site because the words probably mean something or we wouldn't have put them on there,  so next time you get charged for something your dumbass signed your own self up for, don't be mad at anyone except for your own self because YOUR DUMBASS DIDN'T READ WHAT YOU SIGNED UP FOR,  ain't that why you went to school to learn how to read,  i'm just an average worker for this company but it is true you agreed to service actually two times before you get your report
SO NEXT TIME ALL YOU DUMBASS'S READ WHAT YOU SIGN UP FOR AND YOU MIGHT NOT HAVE ANY SUPRISE CHARGES FUCK'N DUMBASS'S"

So, I read that elloquently well-said comment that features quite possibly the world's largest run--on sentence. I also saw that the dipshit left his email address.

I thought to myself "Hmmm... where is the one place on the internet where you can search people by email that would include such high caliber people who can write just as wonderfully as this guy does."

And a few seconds later, low and behold...

CreditReport2
PICTURE CENSORED WITH PICTURE OF TONY DANZA

Apparently, he's into gangs and drugs. Niiiice. Looks like we have a real winner here.

It also looks like Mr. TONY DANZA wants to go. So, let us have a war of words, shall we?

First, I started off by picking the most flattering pictures available to represent us in this war of words. (Before we get to anything, to the random strangers that will be reading this: Yes, I am fat, blah blah blah... insert lame unoriginal fat joke. Okay, good, got that out of your system?)


So, here we go!

CreditReport1Large TONY DANZA: i am a worker for creditreport.com i understand why people are upset about being charged,

RJ45 RJ45: Excellent, we are glad that you understand!

CreditReport1Large TONY DANZA: but if you weren't so dumb and read everything on the page you might have noticed you would have had a trial, you people see free free free and don't ready anything else, also what idiot agrees to terms and conditions without reading the terms and then you give a credit card number for something that is free, if the service was completely free why
do we need your card number why do we even need to no if you have a credit card at all,  if a website has words on it besides free you should read the site because the words probably mean something or we wouldn't have put them on there,

RJ45 RJ45: Well, Brandon, I do work in a call center and work in customer service for a Cable Internet Service Provider in tech support. I understand that it is a hard thankless job. Nobody ever calls in and says "You guys are doing great. I love you. That's all I wanted to say." We only get the crap.

We also have a user agreement that basically no one reads and just blindly agrees to. It is pretty ruthless too if one was to actually read it.

However, you missed what the primary complaint has been from both The Ninja Style and many of the commenters actually were. It was the horrible customer service experiences! Getting put on hold for 30 minutes with supervisors. Representatives refusing to print out so called legal contracts. The icing on the cake is supervisors threatening to sue their customers!

CreditReport1Large TONY DANZA: so next time you get charged for something your dumbass signed your own self up for, don't be mad at anyone except for your own self because YOUR DUMBASS DIDN'T READ WHAT YOU SIGNED UP FOR,  ain't that why you went to school to learn how to read,  i'm just an average worker for this company but it is true you agreed to service actually two times before you get your report

RJ45 RJ45: The irony here is that he is lecturing us about school, particularly language arts. Good one!

Another ironic point is that he is lecturing us about reading everything, but obviously didn't read what everyone were complaining about on the post. Instead, he just read "bad company bad company bad company" and just assumed that the users were complaining about the credit monitoring service, when the actual complaints were about the lack of customer service!

Maybe next time you might want to put down the bong before you make stupid shit posts about people with legitimate complaints.

You say that you are an average worker? That pretty much confirms the stories about CreditReport.com's customer service. Also, if you are an average worker, then I hate to see who your above average workers are.

CreditReport1Large TONY DANZA: SO NEXT TIME ALL YOU DUMBASS'S READ WHAT YOU SIGN UP FOR AND YOU MIGHT NOT HAVE ANY SUPRISE CHARGES FUCK'N DUMBASS'S"

RJ45 RJ45: Finally, I just have been really wanting to get the whole "rip into this guy's horrible grammar" thing out of my system...

It is dumbasses! Dumbasses! Dumbass's implies ownership, you fucking stupid shit.

Yes, I know my grammar is far from perfect. I might have made a few errors in this column, but I at least try!

Our lesson here? Don't make bold statements and leave yourself out in the open like Brandon did. Also, don't tell people you work for a certain company and leave your contact information when your company deals with subscription-based services. That is inviting trouble.

The lesson for both sides of the fence is to read everything. Always read what you are signing up for. Always read everything to fully understand what someone is complaining about.

To that, I thank you all for your time!

RJ45


UPDATE 04.09.2009: ANOTHER EMPLOYEE REPLIES. THIS TIME IS SMART ENOUGH TO REMAIN ANONYMOUS AND TELLS MORE TRUTHS ABOUT CREDITREPORT.COM

I was surprised that we got ANOTHER comment from another CreditReport.com employee.

"It does state "free trial" and when u give someone your SSN# and credit card u should ask yourself why?? I also work for this pathetic company!! Economy is bad and I have to pay bills!! They are scammers no better than Bernie Madoff - Consume beware!!! We were told yesterday that we would be "written up" if we told anyone when their next billing date was. DECEITFUL!!! This company does not do business for all the right reasons!!!!!!!"

This one seemed like he/she, at the very least, has half of a brain.

So, if you run into an employee giving you the runaround, just understand that they are following orders. Whatever you do, don't back down, though. It is your right to get them to stop charging you for their services.

UPDATE 05.18.2009

"someone that i worked with had set me up and filled out your blog comment and added my email address and went to work and showedeveryone what they wrote, they were pose'n as me, i was not the person that filled out the blog comment and pictures from my myspace page are plaster'd all over the blog, if you could please remove the comment of atleast remove the pictures of me! i didn't even do it this has been a setup. thank you for your time and i hope you can help me with this. "

RJ45: Well, if that really is the case, then all instances of your name and picture have been removed and I defaulted to Tony Danza.


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So off subject

This was a fun read and I enjoyed your sense of humor. Is that a pic of you getting married?

RJ45's picture

Thanks for the nice

Thanks for the nice feedback. I appreciate it a lot.

No, that's actually a pic of my days as a spy... who wears a flower in his pocket and poses for professionally shot photos on shiny summer afternoons. ;-)

cryptkpr9's picture

Very good read

Very nice. Hmm since Mr. TONY DANZA has spoken on the behalf of creditreport.com I wonder how the company would react if you sent them the "information" or email that he sent you on the subject matter. Maybe he should have thought a bit before he sent the email to you. Maybe you should take his employment up with the VP or President of that company. I mean from the "myspace backgrounds" he looks like he could be on drugs. Maybe a drug test would be in order. And he is basically harrasing you I hope creditreport.com doesn't let all of their employees do this. If so I hope they have a good lawyer

"Welcome to the thunderdome %$#@#!" <~~Dane Cook

Add 1 More Creditreport.com Employee

Look, I’m not a blogger or an online socialite and have no idea who decides what is posted on this site. But whoever it is, thank them for me. He/she gave me a good laugh.

As I write this, a company that uses the same type (free report/score, free trial, followed cc charges) of “marketing” gimmick as CreditReport.com is featured in a banner ad atop the webpage. In fact the company in the ad is horrible . . . $30 monthly starting after the 7 day trial.

I’m a customer service representative for CreditReport.com as well. Although I often think the same dirty thoughts as Tony . . . I also feel horrible when I receive the daily call from the single mom with the overdrawn checking account wanting to know why we have charged her bankcard monthly for 5 months and counting.

I won’t bother with defending or bashing the company. I do it enough at work.

BUT . . I wish I could be a fly on the wall during marketing meetings. Picture it for a moment. “I have an idea! In this column on our webpage were we must legally state the offer details and the $14.95 fee, let’s use dark blue font with a light blue background so no one notices”.

OR “I have an idea! Let’s make our cancellation confirmation emails scary. Let’s tell the customer that often the first thing that happens when victimized by ID theft is that the criminal somehow figures out you have a credit monitoring service and cancels it. Let’s tell them in the email that for their own security they must sign on to the website and confirm their cancellation. Hopefully we can frighten enough that 5% sign back up”. NOTE: they really do this! OR “Let’s make it hard for people to find our phone number. Keep it out of all emails and post the number on the website but only on the “contact us” page. Let’s try to hide that link to the contact page too. Hopefully most people will blow it off after a few minutes and we can get another charge out of them the following month.” add infinitum

It’s actually kind of pathetic to picture a bunch of educated marketing specialists sitting around the conference table thinking of ways to deceive potential customers while not crossing “the line”.

Is there a point to my writing? Guess not. What initially prompted me to write – the superior grammar and composition skills you have so impressed me with – sort of slipped my mind.

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