Select Page Review – Should You Try It? Review – Should You Try It? is a part of Experian, which is a credit scoring company. If you want the short version, in my opinion, you should stay away from and Experian. You can get just as much information from free services such as Credit Karma and Credit Sesame. and its host company Experian have a way of doing business that I disagree with. Here is a little information about, what it does, and why I think you should stay away from it.

What Does Do?

Cut away the nonsense, and simply signs you up for Experian. Take one of the deals that has to offer, such as a credit report for $1, or whichever deal is running when you visit the website, and they sign you up with Experian. You are put on a trial membership with Experian that is supposedly free, but you are charged for it if you do not cancel the free membership within a certain number of days.

Since signs you up with Experian, you get mostly all the benefits of an Experian membership. This includes being able to look at your credit rating, your credit report, and a portion of your banking history.

Don’t Fooled By The “Free” Credit Report

When I first saw the home page, and it said “Get Your Free Credit Report,” I was very skeptical. I had used Experian in my past, long before I started working for, and I knew the old trick. They give you a free trial, and then they make you pay. What is worse is that they have you opt in to becoming a member before they give you your free trial. I then had to opt out in order to avoid paying, and they made it so difficult that it took me over a month to cancel my account. Here is a screenshot of the home page.

Screenshot of the home page of

Are pulling a similar trick? Yes they are, there is very little free about this company, if you want to use their credit reporting research tools, you are going to have to pay. In fact, it is worse these days because if you do not cancel your membership within the first seven days of signing up, then you are charged the monthly fee indefinitely until you finally get through to someone to cancel your fecking membership.

Where Are Their Fees Hidden?

Well, if you want to find their fees on the home page of the website, then you are not going to find them. You will see no links to their fees, nor will you see their fees nestled away in their terms and conditions.

To find their fees, you need to go to the website, and click on “Member Login”. Near the bottom of the page, you will see “Don’t have an account?” and below that you will see the link embedded in the word, “Here.”

Screenshot of the sign in page of CreditReport

I have highlighted the link in the image above. Click on that link, and it redirects you to the Experian website where they tell you about their fees…OR DO THEY???

Here Is How They Are Going To “Anger” You

Let’s assume that you have clicked the link I mentioned above and you are now looking at the membership fees page. As you can see below, it says you are going to get a free account where all you have to do is log in every month and you get a free credit report.

Screenshot of the fees page for Experian

What they do not tell you is that when you apply, you are automatically signed up for their premium membership package. Yes, you are signing up to be a free member, but they are also signing you up to their paid services under the guise of it being a “Free Trail.” If you do not cancel the free trail within seven days, then they are going to start charging you monthly for your membership.

Hidden Fees – It Gets Worse

Maybe you signed up for the free membership without realizing that you were also signed up for the paid version at the same time, or maybe you intentionally signed up for the paid version.

What is written in smaller print near the bottom is that your $4.99 per month fee is only a temporary introductory fee. The real fee is $24.99, and when you complain that your fees have jumped up by $20, they simply say that you are free to cancel your account at any time.

A Bit Of Background On Their Free-But-Not-So-Free Offer

According to federal law, you are allowed a free credit report every year. You are allowed a free credit report from Experian, Equifax, and from TransUnion. The whole “Get a free credit report” offer is not altruistic, they have to give you a credit report every year if you request it. The trouble is that if you approach the credit bureaus, they will sign you up for your free trial, which you then have to opt out of by calling them unless you wish to start paying their membership fees.

A Rose By Any Other Name, Or A Credit Reporting Service With Many Names is not the only offshoot of Experian. It turns out that Experian have their fingers in quite a few online pies. In fact, they have several websites that offer exactly the same thing that offers.

  • The Experian App

They all have different names, different web page content, different home pages, and different website designs, but they all offer almost identical services with only minor location or tech differences.

Conclusion – In My Opinion, You Need To Stay Away From And Experian

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When I reviewed Experian, I said that you should stay away from it unless you are running a project that requires the extra information that Experian offers. If you are simply trying to improve your credit rating by learning more about your credit history/report, then you can get your information elsewhere without having to sign up for a trial or membership. Since is only offering a way in which you may sign up for Experian, I also have to say that you should stay away from too.

About The Author

Ash The Great

After a varied career in different industries from the hospitality industry to the financial consultancy industry, Ash now spends his days working as a professional writer.

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