Reply #48: They got it when you entered your credit card info?

[geek_sabre]

:shrug:

Maybe you don't remember doing it, but it is *impossible* to get the free credit report at that site without your credit card info. I have been looking, and I still can't find a single case of anyone else scammed by this company that didn't enter their CC info. Even as far back as 2003, no one has stated that they had their credit card charged with just a partial SSN provided. The only possible (though unlikely) explanation, is that you had an account with experian.com and at some point provided them with your CC#, and they provided your CC info to their subsidiary (which isn't the same as stealing, as the TOC applies regardless of how you got to the site). I say its unlikely, because I wouldn't be very comfortable knowing that anyone could access my credit report with just an email address, and 4 digits of my SSN.

I asked before, are you saying that you never signed up, never made an account with freecreditreport.com, and you never recieved a credit report? Based on the TOC, it was probably a month ago that you went to the site. Maybe you forgot, or are embarrased to admit?