PrivacyGuard

@Ahnenerbe, you have to be the only person who ever had a good experience with Privacy Guard or Affinion/Trilegiant. My daughter was offered a membership through datapass (one company pass's on your info after you make a purchase with them to Affinion) and she accepted just to see her credit reports.

The reports were way off and after closer scrutiny I see Privacy Guard uses a 3rd party to acquire the info (not the credit bureaus)and the scores were nowhere close to what our bank said hers was. When she called to cancel she was belittled by a sales person who tried to talk her into staying etc. She lamented about the scores and they tried to tell her she didn't know what she was talking about. This is a shameful way to do business and after reading more about this company I see they are nothing but a scam.

I read that they were sued by our states AG largely because when people enrolled they were never sent a credit report so they just kept paying over and over for nothing, monitoring didn't start until a report was pulled. All that money they made for nothing in return. Shameful!

So most people say your post is BS, I have to agree.

I am very disappointed with this service and company. After posting my comment awhile back I did a lot more research into this company.

Over the last several years they have changed their company name and have one of the worst records according to the bbb. They do indeed engage in forms of marketing that target the poor and elderly, at best hoping that people who take their free trials will forget to cancel and keep paying for services they didn't intend to keep. All you need to do is call one of their call centers to see the type of people they employ, they are uncaring, rude, and speak in rough ghetto slang.

Privacy fell far short of my expectations and the scores they offer are poised to be lower than actual as they hope it will scare you to really think you need them to help improve your scores. Stay away from all services this company offers

I stumbled onto this blog and felt I had to comment, so listen up. I joined Privacy Guard 2 years ago through a offer my bank (US bank) made via mail.

The offer was very clear in telling me that a service is being offered that provides access to my consumer credit reports and CreditXpert scores even being clear to tell me everyone gets free yearly reports at AnnualCreditreport.com. It was clear that PG was to monitor my credit reports and that was what the fee was for, and of course there is a fee of $12.99/month for the service. I went to the website and enrolled into a 30 day free trial (actually was 45 days) and was pleased with how easy it was and there was none of this "deception" so many of you are claiming. I have tried many credit monitoring services, namely "LifeLock", and IMO PrivacyGuard is the best for the money.

As for all the complaints and litigation brought against this company all I can say is that it says A LOT about the state of American society. Some business's use TV/radio ads to market (LifeLocock is notorious for Todd parading around his SS # that was used 3 different times, that, and lawsuits from the 3 credit bureaus against LifeLock stopped that) and some companies use mail and phone. when you use free offers to try something you will get many consumers who only want the freebie and nothing else. All I see is a bunch of people who were offered something they had no intention of keeping, didn't pay attention to their billing statements, and now all of a sudden Privacy Guard is the bad guy.

The state AG's who bring these suits are like a big extortion racket, if you look up the cases they go like this: AG-we believe you are tricking people into your programs. PG-No, we can show you that we do everything above board and try to be as clear as we can. AG-well many people say you don't, so that is good enough for us. We are suing you.

PG-we would like to have a amicable solution to this so what do you propose? AG-well, of course give the people back their money which will be a few hundred thousand dollars, but pay us a few million and we will go away. PG-well, that is the law so we will comply. I call that legal extortion.

Companies know it is far more costly to defend against this type of litigation so they choose to just settle to save money, but it makes them look guilty. I feel this is one of those companies who, because they approach people to enroll, they just get people who have no intent to use a good service and only want to take them for a "freebie", then when they forget to cancel, it's Privacy Guard who all of a sudden is the scam-er.

Again that says a lot about our "I am a victim all the time" society.