Mycredithealth.com — Fraud
I use a preloaded Wallmart Debit card on the web for purchases. While making a purchase on another website it came back as declined. When I checked the Wallmart accounts website to see what the problem was there were 2 charges in the month of June for mycredithealth.com. each for $29.95. I immediately called them and they informed me that I had used the card on their website and did not cancel after the free 7 day privilege. I emplained to them that I did not enroll in their site. They told me that I had and that they had emailed out credit reports from all three credit reporting agencies. They were unwilling to give me any information. I do not understand how someone could order a credit report or obtain my social security number to do so. They were unwilling to give me the social security number involved. I finally gave them my email address and they admitted it was not the email address on file. They agreed to cancel the account. But not refund the money without an IC-3 report of fraud to the FBI which I promptly made . I am unable to go any furthur back than June on the Wallmart website so I do not know if charges were made before that. According to their records the acct was activated on May 4, 2009. I have since notified Walmart of the fraud. And received an automated response from IC-3 which was forwarded to My Credit Report.com. Whomever has perpetrated this crime also put a charge through to Apple I Tunes and they have been most helpful in resolving the problem. However, of course they will not give me any information regarding the account. When crimes like these are commited the consumer has no recourse in getting the information needed to prosecute. I pulled a credit report from Equifax and it showed nothing. We have no revolving credit, our mortgage is paid off and no credit cards and haven't had for the last 14 years. There were also no inquiries showing. I have another credit report coming from TRW though the mail. And will be interested to see what that says. My advice to all is that if you need a credit report you can go through the federal government and get one free each and every year. Do not pay for credit reports online have them mailed to your residence.