Experian Consumer Services

Thank you for writing and expressing your concern regarding your credit report and score.
We realize that you may see a discrepancy in the score you receive from a lender related to your credit application and the score provided as part of a membership. We try to make it a point that our...

customers are aware that various scoring models are available in the marketplace and have different potential uses.
For instance, we include a disclosure on our site describing the score provided with our credit monitoring memberships. Further, certain industries may use custom credit scores that are tailored to their specific needs. The custom scores may be unique to a specific industry, such as mortgage lending or auto lending. These custom scores may be created based on information found in credit reports together with other information from the lender’s own portfolio, such as account history.
The credit score is calculated based on the data in your credit report at the time you request your credit report and score. Every time you request a new score, a new credit report is pulled and your new score is calculated based on the information in your credit report. Differences in your score may be due to a change in balance on one or more of your credit cards, payment updates, or the addition of a new account or inquiries. Even the fact that your account(s) is one month older can affect your score. If there are inaccuracies on your credit report, these could also be affecting your score and should be disputed directly with the credit-reporting agency providing that information.
Credit bureaus maintain separate records of consumer’s information. In order to dispute possible inaccuracies on their credit file consumers must direct their requests to each individual credit bureau. Under the Fair Credit Reporting Act (FCRA), you have the right to dispute the completeness and accuracy of the information in your credit file. For a summary of your FCRA rights, please visit [redacted] Listed below is the dispute contact information for the three national credit bureaus: [redacted] and [redacted]
Experian:
Online Dispute: [redacted]
Telephone: ###-###-####

[redacted]:
Online Dispute: [redacted] Disputes via U.S. postal mail:
[redacted]
[redacted] Telephone: ###-###-####
[redacted]:
Online Dispute: [redacted] Disputes via U.S. postal mail:
[redacted]
Consumer Solutions
[redacted]
[redacted] Telephone: ###-###-####
When you contact the appropriate credit bureau to dispute information on your credit report, be prepared to state the facts and explain why you are disputing the information, be able to supply the relevant account numbers and copies of any supporting documentation, and request the deletion or correction of the information you feel is inaccurate.
The FCRA mandates that the credit bureau with which you placed the dispute must respond to your dispute by contacting the source of the information and initiating an investigation. The credit bureau will ask the company or creditor (where possible) to check their records to verify the disputed information. Within 30 days, the company or creditor must respond to the credit bureau’s investigation. The creditor or company may verify the account item as accurate, or they may ask the credit bureau to update or correct the item. Upon conclusion, the credit bureau will contact you with the results of the investigation.
For more information regarding credit scores, please visit the Experian website at [redacted].
[redacted], Inc. offers a variety of credit monitoring products that include online access to consumers’ personal credit reports and scores. To view available products please visit: [redacted].
We would also like to let you know that you have the right to receive a free copy of your credit report once every 12 months from each of the three nationwide credit report agencies. To request your free annual report under that law, you should visit annualcreditreport.com.
I hope the above information is helpful to you in considering this matter.

Thank you for contacting us regarding the account opened at Creditreport.com™. Thank you for informing us of your recent experience with Creditreport.com™. ConsumerInfo.com(R), Inc. (“CIC”) is an affiliated company of Experian(R), the credit reporting agency, and in that capacity provides consumers with credit monitoring services and internet access to their personal credit reports. Our records indicate that [redacted]. enrolled with Creditreport.com™ on June 11, 2014, utilizing a Visa with the last four digits [redacted]. Our website describes the offer in detail and the Order Form.  Details, along with the terms and conditions of the offer, including billing at the end of the $1 trial and monthly thereafter unless and until the customer notifies us of their wish to cancel.  This was agreed to when submitting the order. A welcome email notification was sent to the email address she provided at the time of enrollment. Customer satisfaction is our priority, as a courtesy we have issued a full refund for 8 months, total of $239.60 on January 22, 2015.  Please allow 3 - 5 business days for these funds to process to her credit card account.  It is also important to note that this refund should appear on your next credit card statement. In response, CIC has cancelled the membership. At this time we would like to express our regret that your experience with Creditreport.com™ may not have met her expectation or our standard of excellence.  We feel it is important to keep the consumer informed regarding the ordering process.  Our website displays the following disclosure at sign up: IMPORTANT INFORMATION: When you order your $1 Credit Reports and FREE Scores here, you will begin your 7-day trial membership in CreditReport.com. If you don't cancel your membership within the 7-day trial period*, you will be billed $24.95 for each month that you continue your membership. You may cancel your trial membership anytime within the trial period without charge. Please be advised that the price disclosed when she subscribed was $29.95. We hope the above information is helpful to you in considering this matter.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and while I remain concerned regarding this businesses sales techniques, I find that this resolution would be satisfactory to me.  The business has performed this action and I consider this complaint resolved.
Regards,
[redacted]

Thank you for contacting us regarding the account opened at Experian Credit TrackerSM.
Experian Credit TrackerSMdoes offer a $1.00(dollar) - 7day trial membership in a monthly credit monitoring product. Our website describes the offer in detail and the Order Form. Details along with the terms and...

conditions of the offer, including billing at the end of the $1.00(dollar) - 7day trial and monthly thereafter unless and until the customer notifies us of their wish to cancel. This was agreed to when submitting the order.
Our records indicate that [redacted] and [redacted] enrolled with Experian Credit TrackerSM on February 7, 2015. The memberships were not cancelled within the $1.00(dollar) - 7day trial period. Consequently, in accordance with the published terms of our offer, the credit card provided was charged our monthly membership fee of $21.95 on February 14, 2015, for each of their accounts.
As a courtesy, we have issued a refund of the monthly membership fees of $43.90 for each membership, for a total of $87.80. Please allow 3 - 5 business days for these funds to process to your credit card account. It is also important to note that this refund should appear on your next credit card statement.
Also in reviewing [redacted]’s file it appears he purchased and viewed your 3 bureau credit report on February 7, 2015.
The product that you ordered was a 3 bureau credit report and score. This product is not included in the trial offer and is always advertised as for fee. The price for this product and the accompanying scores that you ordered were listed in two places on the order form. We do not normally refund these purchases as they are delivered instantly online at the time of order.
As a courtesy, we have issued a full refund of the purchase price, an amount totaling $49.95. Please allow 3 - 5 business days for these funds to process to your credit card account. It is also important to note that this refund should appear on your next credit card statement.
PAYMENT INFORMATION: When you click the “Get All 3 Scores & All 3 Reports” button, your credit card on file will be charged $49.95 once your identity has been confirmed and your report is ready to view. If, for any reason, we are unable to provide you with this report, we will not charge your credit card. Please note this transaction is nonrefundable
We strive for exceptional customer satisfaction and hope we have addressed your area of concern to your expectation.

Thank you for contacting us regarding the accounts opened at CreditCheck(R) Total. CreditCheck(R) Total offers a one dollar 7-day trial membership in to a monthly credit monitoring product. Our website fully describes the offer and the order form details the terms and conditions, including billing...

at the end of the one dollar trial and monthly thereafter unless and until the customer notifies us of their wish to cancel.  This was agreed to when submitting the order.  We feel it is important to keep the consumer informed regarding the ordering process.  Our website displays the following disclosure on our product landing page: IMPORTANT INFORMATION When you order your $1 3-Bureau Credit Report & FICO(R) Scores, you will begin your 7-day trial membership in CreditCheck(R) Total. If you don't cancel your membership within the 7-day trial period**, you will be billed $29.95 for each month that you continue your membership. You may cancel your trial membership anytime within the trial period without charge. Our records indicate that you and your spouse enrolled with CreditCheck(R) Total on March 28, 2017 and April 3, 2017. The memberships were not cancelled within the one dollar 7-day trial period.  Consequently, in accordance with the published terms of our offer, the credit card provided was charged our monthly membership fee of $29.95 on April 7, 2017 and May 1, 2017, and on or around the 7th and 13th of each subsequent month for each of their accounts. In response to this complaint, on December 7, 2017, the memberships have been canceled, effective immediately.  As a courtesy, we have issued a refund of the monthly membership fees of $179.70 on December 7, 2017. Please allow 3 - 5 business days for these funds to process to your credit card account.  We apologize for any inconvenience our hold times caused you.  We appreciate the time you took to send us your comments and will take this feedback into consideration as we continue to improve. We strive for exceptional customer satisfaction and hope we have addressed your area of concern to your expectation.

Thank you for writing and expressing your concern regarding your membership with Experian Credit TrackerSM.
Our records indicate that you enrolled with Experian Credit TrackerSM on June 23, 2015, and followed by a request to cancel the membership on July 8, 2015. Email notifications were sent to...

the email address you provided at the time of enrollment.
We apologize for any inconvenience or misunderstanding. Our records also indicate that your bank has recovered the fees for you, an amount totaling $23.90, as of July 9, 2015. Please allow 3 - 5 business days for these funds to process to your credit card account. It is also important to note that this refund should appear on your next credit card statement.
At this time we would like to express our regret that your experience with Experian Credit TrackerSM may not have met your expectation or our standard of excellence. We feel it is important to keep the consumer informed regarding the ordering process. Our website provides the following disclosure on the payment page before your order was submitted and your credit card was charged:
PAYMENT INFORMATION
When you order your $1 Credit Report and FICO Score here, you will begin your 7-day trial membership in Experian Credit TrackerSM. You may cancel your trial membership at any time within 7 days without charge. If you decide not to cancel, your membership will continue and you will be billed for just $21.95 plus $1.95 sales tax for a total of $23.90/month for each month that you continue your membership. You may cancel your membership and stop the monthly billing bycontacting us at any time; however you will not be eligible for a pro-rated refund of your current month's paid membership fee.
We appreciate the time you took to send us your comments and suggestions. We value the input from our customers, and assure you we will give serious consideration to the issues you presented to us. It is through information provided by customers such as you that we are able to improve our products and memberships.
It is unfortunate that you had such an adverse experience while dealing with Experian Credit TrackerSM. We strive for exceptional customer satisfaction and hope we have addressed your area of concern to your expectation.

Thank you for writing and expressing your concern regarding your membership with [redacted]. Our records indicate that you enrolled with [redacted] on January 15, 2015, and followed by a request to cancel the membership on May 4, 2015. At the time of cancellation, a one...

month courtesy refund was issued for $19.99 to the credit card on file. On March 29, 2015 your membership with [redacted] was upgraded to Experian Credit TrackerSM. Customer satisfaction is our priority, as a courtesy we have issued an additional refund of $39.98 on May 12, 2015.  Please allow 3 - 5 business days for these funds to process to your credit card account.  It is also important to note that this refund should appear on your next credit card statement. At this time we would like to express our regret that your experience with Experian Credit TrackerSM may not have met your expectation or our standard of excellence.  We feel it is important to keep the consumer informed regarding the ordering process.  Our website displays the following disclosure at sign up: IMPORTANT INFORMATION When you order your $1 Credit Report and FICO® Score, you will begin your 7-day trial membership in Experian Credit Tracker?. If you don't cancel your membership within the 7-day trial period*, you will be billed $21.95 for each month that you continue your membership. You may cancel your trial membership anytime within the trial period without charge. Please be advised that the price disclosed when you subscribed was $19.99. We strive for exceptional customer satisfaction and hope we have addressed your area of concern to your expectation.

Thank you for writing and expressing your concern regarding your membership with CreditCheck(R) Total.
Our records indicate that you enrolled with CreditCheck(R) Total on June 6, 2015, and followed by a request to cancel the membership on October 15, 2015. A Welcome email notification was sent to...

the email address you provided at the time of enrollment.
Customer satisfaction is our priority, as a courtesy we have issued a full refund of $120.80 on November 2, 2015. Please allow 3 - 5 business days for these funds to process to your credit card account. It is also important to note that this refund should appear on your next credit card statement.
At this time we would like to express our regret that your experience with CreditCheck(R) Total may not have met your expectation or our standard of excellence. We feel it is important to keep the consumer informed regarding the ordering process. Our website displays the following disclosure on our product landing page:
IMPORTANT INFORMATION
When you order your $1 3-Bureau Credit Report & FICO® Scores, you will begin your 7-day trial membership in CreditCheck® Total. If you don't cancel your membership within the 7-day trial period**, you will be billed $29.95 for each month that you continue your membership. You may cancel your trial membership anytime within the trial period without charge.
ConsumerInfo.com, Inc., via its website CreditCheck(R) Total, is an affiliate of Experian that provides credit monitoring and internet access to the customer’s personal credit reports. We assist the customer in accessing their credit report online and answer questions regarding our products.
We apologize for any inconvenience or misunderstanding; however, we are not Experian the credit bureau.
We appreciate the time you took to send us your comments and suggestions. We value the input from our customers, and assure you we will give serious consideration to the issues you presented to us. It is through information provided by customers such as you that we are able to improve our products and memberships.
We strive for exceptional customer satisfaction and hope we have addressed your area of concern to your expectation.

Thank you for writing and expressing your concern regarding your membership with Experian Credit TrackerSM. Our records indicate that you enrolled with Experian Credit TrackerSM on December 11, 2015, and followed by a request to cancel the membership on December 29, 2015.  A Welcome email...

notification was sent to the email address you provided at the time of enrollment. Customer satisfaction is our priority, as a courtesy we have issued a refund of $21.95 on January 22, 2016.  Please allow 3 - 5 business days for these funds to process to your credit card account.  It is also important to note that this refund should appear on your next credit card statement. At this time we would like to express our regret that your experience with Experian Credit TrackerSM may not have met your expectation or our standard of excellence.  We feel it is important to keep the consumer informed regarding the ordering process.  Our website displays the following disclosure on our product landing page: Important information: When you order your $1 Credit Report & FICO® Score, you will begin your 7-day trial membership in Experian Credit TrackerSM. If you don't cancel your membership within the 7-day trial period*, you will be billed $21.95 for each month that you continue your membership. You may cancel your trial membership anytime within the trial period without charge. We strive for exceptional customer satisfaction and hope we have addressed your area of concern to your expectation.

Thank you for writing and expressing your concern regarding your membership with CreditReport.comTM.
Our records indicate that you enrolled with CreditReport.comTM on December 8, 2014, and followed by a request to cancel the membership on December 22, 2014. A welcome email notification was sent to...

the email address you provided at the time of enrollment.
Customer satisfaction is our priority, as a courtesy we have issued a refund of $29.95. Please allow 7-10 business days for these funds to process to your credit card account. It is also important to note that this refund may not be reflected on your credit card statement for 1-2 billing cycles.
At this time we would like to express our regret that your experience with CreditReport.comTM may not have met your expectation or our standard of excellence. We feel it is important to keep the consumer informed regarding the ordering process. Our website displays the following disclosure at sign up:
:
IMPORTANT INFORMATION:
When you order your $1 Credit Reports and FREE Scores here, you will begin your 7-day trial membership in CreditReport.comTM. If you don't cancel your membership within the 7-day trial period*, you will be billed $29.95 for each month that you continue your membership. You may cancel your trial membership anytime within the trial period without charge.
We appreciate the time you took to send us your comments and suggestions. We value the input from our customers, and assure you we will give serious consideration to the issues you presented to us. It is through information provided by customers such as you that we are able to improve our products and memberships.
We hope the above information is helpful to you in considering this matter.

Thank you for writing and expressing your concern regarding your membership with CreditReport.comTM.
Our records indicate that you enrolled with CreditReport.comTM on September 6, 2014 and followed by a request to cancel the membership on September 16, 2014. 
Customer satisfaction is our...

priority, as a courtesy we have issued a refund of $29.95 on September 20, 2014. Please allow 7-10 business days for these funds to process to your credit card account.  It is also important to note that this refund may not be reflected on your credit card statement for 1-2 billing cycles.
At this time we would like to express our regret that your experience with CreditReport.comTM may not have met your expectation or our standard of excellence.  We feel it is important to keep the consumer informed regarding the ordering process.  The below disclosure is displayed on the main page:
IMPORTANT INFORMATION:
When you order your $1 Credit Reports and FREE Scores here, you will begin your 7-day trial membership in CreditReport.com. If you don't cancel your membership within the 7-day trial period*, you will be billed $29.95 for each month that you continue your membership. You may cancel your trial membership anytime within the trial period without charge.
We strive for exceptional customer satisfaction and hope we have addressed your area of concern to your expectation.

Thank you for writing and expressing your concern regarding your membership with Experian Credit TrackerSM.
Our records indicate that you enrolled with Experian Credit TrackerSM on May 12, 2015, and followed by a request to cancel the membership on the same date.
At the time of enrollment, our...

records indicate that you also purchased and viewed your 3 bureau credit report. Experian Credit Tracker? does not include reports and scores from all three credit bureaus. After enrollment, we provide our customers the opportunity to purchase a 3 bureau credit report to supplement the information provided with Experian Credit Tracker?.
We display the following disclosure when you order your 3 bureau report and scores:
PAYMENT INFORMATION
Note: Your credit card will be charged $39.95 once your identity has been confirmed and your report is ready to view. If, for any reason, we are unable to provide you with this report, we will not charge your credit card. Please note this transaction is non-refundable.
To ensure your satisfaction, we have issued a refund in the amount of $39.95 on May 15, 2015. Please allow 3 - 5 business days for these funds to process to your credit card account. It is also important to note that this refund should appear on your next credit card statement.
At this time we would like to express our regret that your experience with Experian Credit TrackerSM may not have met your expectation or our standard of excellence. We feel it is important to keep the consumer informed regarding the ordering process. Our website displays the following disclosure at sign up:
Important information:
When you order your $1 Credit Report & FICO® Score, you will begin your 7 day trial membership in Experian Credit TrackerSM. If you don't cancel your membership within the 7 day trial period*, you will be billed $19.95 for each month that you continue your membership. You may cancel your trial membership anytime within the trial period without charge.
We strive for exceptional customer satisfaction and hope we have addressed your area of concern to your expectation.

Thank you for writing and expressing your concern regarding your membership with Experian Credit TrackerSM.
Our records indicate that you enrolled with Experian Credit TrackerSM on May 21, 2015, and followed by a request to cancel the membership on May 30, 2015. Email notifications were sent to the...

email address you provided at the time of enrollment.
Customer satisfaction is our priority, as a courtesy we have issued a refund of $21.95 on June 2, 2015. Please allow 3 - 5 business days for these funds to process to your credit card account. It is also important to note that this refund should appear on your next credit card statement.
At this time we would like to express our regret that your experience with Experian Credit TrackerSM may not have met your expectation or our standard of excellence. We feel it is important to keep the consumer informed regarding the ordering process. Our website displays the following disclosure at sign up:
IMPORTANT INFORMATION: When you order your $1 Credit Report & FICO® Score, you will begin your 7-day trial membership in Experian Credit TrackerSM. If you don't cancel your membership within the 7-day trial period**, you will be billed $21.95 for each month that you continue your membership. You may cancel your trial membership any time within the trial period without charge.
We strive for exceptional customer satisfaction and hope we have addressed your area of concern to your expectation.

Thank you for writing and expressing your concern regarding your membership with Experian Credit Tracker?. Our records indicate that you enrolled with Experian Credit Tracker? on November 22, 2014, and followed by a request to cancel the membership on February 2, 2015. A welcome email notification...

was sent to the email address you provided at the time of enrollment. At the time of cancellation, a one month courtesy refund was issued for $19.95, plus $1.77 sales tax for a total of $21.72. Customer satisfaction is our priority, as a courtesy we have issued a refund of $39.90 plus $3.54 sales tax for a total of $43.44 on February 4, 2015.  Please allow 3 - 5 business days for these funds to process to your credit card account.  It is also important to note that this refund should appear on your next credit card statement. At this time we would like to express our regret that your experience with Experian Credit Tracker? may not have met your expectation or our standard of excellence.  We feel it is important to keep the consumer informed regarding the ordering process.  Our website displays the following disclosure at sign up: Important information: When you order your $1 Credit Report & FICO® Score, you will begin your 7-day trial membership in Experian Credit TrackerSM. If you don't cancel your membership within the 7-day trial period*, you will be billed $21.95 for each month that you continue your membership. You may cancel your trial membership anytime within the trial period without charge. Please be advised that the price disclosed when you subscribed was $19.95. We strive for exceptional customer satisfaction and hope we have addressed your area of concern to your expectation.

Thank you for writing and expressing your concern regarding your membership with CreditCheck(R) Total.
Our records indicate that you enrolled with CreditCheck(R) Total on October 2, 2015, and followed by a request to cancel the membership on December 1, 2015. A Welcome email notification was...

sent to the email address you provided at the time of enrollment. We do not have any record of a cancellation request prior to being charged for the membership fee.
At the time of cancellation, a one month courtesy refund was issued for $29.95.
At this time we would like to express our regret that your experience with CreditCheck(R) Total may not have met your expectation or our standard of excellence. We feel it is important to keep the consumer informed regarding the ordering process. Our website displays the following disclosure on our product landing page:
IMPORTANT INFORMATION
When you order your $1 3-Bureau Credit Report & FICO(R) Scores, you will begin your 7-day trial membership in CreditCheck(R) Total. If you don't cancel your membership within the 7-day trial period**, you will be billed $29.95 for each month that you continue your membership. You may cancel your trial membership anytime within the trial period without charge.
Customer satisfaction is our priority, as a courtesy we have issued a refund of $29.95 on December 2, 2015 for the remaining membership fee. Please allow 3 - 5 business days for these funds to process to your credit card account. It is also important to note that this refund should appear on your next credit card statement.
We wish to emphasize that for the duration of the membership we provided a number of benefits available to you at any time through our website, including, but not limited to, access to your credit report, as well as credit monitoring alerts which were updated daily.
We are not able to delete your requested information from our customer database at this time. We are legally obligated to retain records of requests for credit reports from the credit reporting agencies, to verify permissible purpose under the Fair Credit Reporting Act. In addition, pursuant to Federal regulatory requirements we must retain a customers’ core account information (and any and all records of customer complaints pertaining to such account) for six (6) years. Of course, as we realize the sensitive nature of this information, we maintain this data with great care for security and respect for the customer's privacy.
We appreciate the time you took to send us your comments and suggestions. We value the input from our customers, and assure you we will give serious consideration to the issues you presented to us. It is through information provided by customers such as you that we are able to improve our products and memberships.
We strive for exceptional customer satisfaction and hope we have addressed your area of concern to your expectation.

Thank you for writing and expressing your concern regarding your membership with Experian Credit TrackerSM.
Our records indicate that you enrolled with Experian Credit TrackerSM on April 4, 2015, and followed by a request to cancel the membership on April 12, 2015. A welcome email notification...

was sent to the email address you provided at the time of enrollment.
Customer satisfaction is our priority, as a courtesy we have issued a refund of $21.95 plus $1.37 sales tax for a total of $23.32 on April 14, 2015. Please allow 3 - 5 business days for these funds to process to your credit card account. It is also important to note that this refund should appear on your next credit card statement.
At this time we would like to express our regret that your experience with Experian Credit TrackerSM may not have met your expectation or our standard of excellence. We feel it is important to keep the consumer informed regarding the ordering process. Our website displays the following disclosure at sign up:
IMPORTANT INFORMATION:
When you order your $1 Credit Report & FICO(R) Score, you will begin your 7 day trial membership in Experian Credit TrackerSM. If you don't cancel your membership within the 7 day trial period*, you will be billed $21.95 for each month that you continue your membership. You may cancel your trial membership anytime within the trial period without charge.
We strive for exceptional customer satisfaction and hope we have addressed your area of concern to your expectation.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
How is that for proof this credit bureau is a rip off. I tell them I am unable to log into the site, something I paid for and they dont even address the issue. Thats fine, they can explain it to the judge. You had your chance. I will also be notifying the Indiana Secretary of State to let them know the fraudulent business practices by this company.
Regards,
[redacted]

We are sorry to read of your dissatisfaction with our response. We do understand and acknowledge your frustration. It is unfortunate that you had such an adverse experience while dealing with [redacted](R), [redacted](R) vigilantly strives to provide the highest standards of customer care and satisfaction.As a courtesy, we issued a full refund of the purchase price, an amount totaling $39.95. Please allow 3-5 business days for these funds to process to your credit card account. It is also important to note that this refund should appear on your next credit card statement.We hope the above information is helpful to you in considering this matter.

Thank you for writing and expressing your concern regarding your membership with Experian Credit Tracker?.   Our records indicate that you enrolled with Experian Credit Tracker? on February 2, 2015, and followed by a request to cancel the membership on February 10, 2015. A welcome email...

notification was sent to the email address you provided at the time of enrollment.   Customer satisfaction is our priority, as a courtesy we have issued a refund of $21.95 on February 11, 2015.  Please allow 3 - 5 business days for these funds to process to your credit card account.  It is also important to note that this refund should appear on your next credit card statement. At this time we would like to express our regret that your experience with Experian Credit Tracker? may not have met your expectation or our standard of excellence.  We feel it is important to keep the consumer informed regarding the ordering process.  Our website displays the following disclosure at sign up: Important information: When you order your $1 Credit Report & FICO® Score, you will begin your 7-day trial membership in Experian Credit TrackerSM. If you don't cancel your membership within the 7-day trial period*, you will be billed $21.95 for each month that you continue your membership. You may cancel your trial membership anytime within the trial period without charge. We strive for exceptional customer satisfaction and hope we have addressed your area of concern to your expectation.

Thank you for expressing your concerns regarding the FICO(R) Score 8 Powered by Experian(R) included in your membership.
ConsumerInfo.com(R), Inc. (“CIC”) is an affiliated company of Experian(R), the credit reporting agency, and in that capacity provides consumers with credit monitoring and...

internet access to their personal credit reports.
Our records indicate that you enrolled with CreditReport.comTM on November 13, 2014, and followed by a request to cancel the membership on December 7, 2015. On April 19, 2015, your membership with CreditReport.comTM was upgraded to Experian Credit TrackerSM.
Our website describes the offer and the order form details the terms and conditions of the offer, including billing at the end of the trial and monthly thereafter unless and until the customer notifies us of their wish to cancel. The consumer agrees to these terms when submitting their order.
At this time we would like to express our regret that your experience with Experian Credit TrackerSM may not have met your expectation or our standard of excellence.
We realize that you may have seen a discrepancy in the score you received from a lender related to your credit application and the score provided as part of your membership. We try to make it a point to inform our customers that various scoring models are available in the marketplace and have different potential uses. For instance, we include a disclosure on our site describing the score provided with the credit monitoring membership you purchased.
The following disclosure is displayed on our landing page:
“Credit score calculated based on FICO Score 8 model. Your lender or insurer may use a different FICO Score than FICO Score 8, or another type of credit score altogether. Learn More.”
After selecting the “Learn More” link, a disclosure is displayed which begins with the following:
“FICO(R) Scores are developed by Fair Isaac Corporation. The FICO Score provided by Experian is based on FICO Score 8. Many but not all lenders use FICO Score 8.”
Here, the score that is provided as part of your membership is the FICO(R) 8 model based on Experian(R) data. It is a score that many lenders use in the credit application decision-making process. FICO(R) Scores, ranging from 300 to 850, are developed by Fair Isaac Corporation which specializes in developing credit-scoring systems for lenders and other businesses. This can help you see and understand how lenders may view your credit worthiness. It is used by many lenders, and is indicative of your overall credit risk.
Certain industries may use custom credit scores that are tailored to their specific needs. The custom scores may be unique to a specific industry, such as mortgage lending or auto lending. These custom scores may be created based on information found in credit reports together with other information from the lender’s own portfolio, such as account history.
It is unfortunate that you had an adverse experience while dealing with Experian Credit TrackerSM, we vigilantly strive to provide the highest standards of customer care and satisfaction.
Customer satisfaction is our priority, as a courtesy we have issued a refund of $149.70 plus $12.00 sales tax for a total of $161.70 on December 9, 2015. Please allow 3 - 5 business days for these funds to process to your credit card account. It is also important to note that this refund should appear on your next credit card statement.
We appreciate the time you took to send us your comments and suggestions. We value the input from our customers, and assure you we will give serious consideration to the issues you presented to us. It is through information provided by customers such as you that we are able to improve our products and memberships.
We hope the above information is helpful to you in considering this matter, and provides you some clarity as to the discrepancy between the scores you received and the various scores available in the marketplace.