Home Unauthorized Charges Review of MNI*CreditRPT

MNI*CreditRPT review: Charging credit card after cancellation!

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12:00 am EDT
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This company charged my credit card after the free trial membership was canceled!

People beware!

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Mar 24, 2007 12:00 am EDT

Wanted a credit report so i went online for the free one that you are supposed to get once a year. Next thing i know i am getting withdrawals from my account all the same company but 3 different withdrawals. One for 29.95 one for 9.95 and one for 1.00 all done while trying to get my free credit report. Watch out for these ### they are as bad as the real thiefs. Except they disguise themselves as trying to help. They lead you down a path that by the time your done you dont know what happened and you are getting monthly withdrawal out of your account. And then try and cancel it that is just as hard as trying to get a free credit report.

Aug 31, 2009 9:46 pm EDT

Here is my email [email protected] Please get in touch and let me know how you got them to stop. They are trying to charge me and I was told there was a problem with the Credit Card and they could not complete the transaction.

Charles Hill

Aug 08, 2009 6:18 pm EDT

I was charged 29.95 and did not get anything. I want my money back. I have tried the e-mail address and it does not work. No one answers on the phone number. This is bull !

Judy Morgan Utah

Apr 12, 2009 1:20 pm EDT

I was also charged $14.95 on my credit card after cancelling. I was lured into this trap by an offer for free southwest airline tickets online. This is a crooked company and I am calling the credit card company to report fraudulent charges.

Jan 24, 2009 3:49 pm EST

they've been charging me for almost 2 yrs somebody help

Nov 29, 2008 12:37 pm EST

WEll, I buy a bunch of little stuff all the time on the internet, so I did not notice the $12.95 charge until today. I noticed it on my fiance's account a couple of months ago, and turns out it has been on there for months..and he said it was prob on mine two b/c we both tried to get the freecreditreport gag.

Well, I thougth about it today and checked my balance on MY bank account and turns out I have been hit for a FULL year! That's $155.40 total...

I have noticed that they frequently change the name of their description on my charges. The list on my bank info is CIC*Triple Adva, MNI*CREDITRPT, and CIC*T A.

I thought these were the names of sellers from ebay, cause like I said, I buy a lot of junk offline so I didn't think anything of it...

well... I found this website It gives you tips on HOW TO stoooppp them from charging and GETTING your MONEY BACK! As well as where you can COMPLAIN about it and get them bad ratings!

Oct 20, 2008 11:26 pm EDT

i have never subscribedto mni credit report and they are somehow charging me with an $11.95 bill. i would really like the money back and to cancel this so called subscription i have with them.

Sep 14, 2008 10:07 pm EDT

Same thing, was charged 11.95 for a "free credit report". I canceled my card and will call customer service tomorrow (it's closed now). I'm glad I caught it early though.

Jul 21, 2008 11:58 am EDT

Similar situation. Total fraud. Call [protected]. Always ask to speak to their manager/supervisor. Note their names. Submit complaint to BBB online. People I spoke with in this company (mighty net, Inc) likely belongs to ... I spoke with Jennifer Hecker, then Alon?, then Rafael Molina? Got a refund for half of my charges. They also cancelled my continued subscription which I never ordered. I never received any email from these guys previously to know what was going on. They give you same redundant story. Have lots of time and persistence when you call.

I will wait and see if they really cancelled my subscription or if they will refund as they promised.

Jul 20, 2008 1:59 pm EDT

We are being charged on our debit card through the bank after cancelling everything. More cancelations and the 'business' just keeps taking money out of our account. Now we will have the bank take care of this theft problem by paying a $35.00 fee which will be about the only way we can find to stop this criminal act. How come there isn't any way to stop such blatant disrespect?

Jul 17, 2008 6:03 am EDT

MNI*CREDITRPT just charged me $12.95 after the free trial was cancelled. SCAM, if you want a credit report call your bank! These guys are frauds.

Jul 09, 2008 7:22 am EDT

I called [protected] and spoke to "Sylvia" she was able to cancel my account, but was not able to refund anything. The web address they were doing business under is, she did give me a cancellation confirmation number so if future charges show up, I have recourse.

If a class action lawsuit is started, please notify me.

Jul 01, 2008 12:53 pm EDT

I found a simple solution to cancel this account. As a few comments before have said, I did not receive any useful information from the monthly fee of 11.95 per month I was being charged.

What worked for getting this cancelled for me was, and I quote. "You can either cancel this account right now, or you can transfer me to your supervisor right now." (Unfortunately the representative I spoke with was very zealous about retaining my 111.95 per month and kept making recommendations that I keep the service for another couple weeks)

Then I said, "Give me a supervisor right now." the representative promptly canceled my account and transferred me to a supervisor who was very courteous about verifying for me that the account was canceled.

Hope this helps you.

Jun 24, 2008 8:26 pm EDT

Let do a class action suit and sew them out of bussiness anyone know some laywers. you can use my name as a complaint. They need to pay for this ###. And the site needs a red mark on my firewall right now its green like its legitamit i didnt charge my credit card i am going to the bank to block the charge, but if that doesnt work, i am closing that account and opening a new one. As well try to transfer your balance then cancel that credit card and also credit card companies have the power to stop it by not giving the company your money, if they decide to not help you swear to them that you will never use their card ever again. Caue they are rooking you just like minicredit they give that company the money or not and charging you so you cant close your dam account.

Jun 24, 2008 8:17 pm EDT

They are doing it to me too. I orderd it then stopped it and i just noticed it as months went by they are are still charging me. So i went to see on my account for description for phone number and I cant find it funny you cant get a hold of them.

Jun 19, 2008 9:47 am EDT

i was just charged $11.95 from this company, MNI*CREDITRPT, and i dont recall ever using them. i went to which is supposed to be free. this is ridiculous

Jun 16, 2008 9:50 am EDT

I had the same problem with them but I went to their WebSite and I went to the lin Contac US and I select the option to Cancel My membership. They Have a Telphone # to call them and Cancel by phone also. TO CANCEL ANY CHARGE call them to this phone [protected]. I called them and I told them I DO NOT want any more charge to my Bank Account and I dont want any bussines also with them. They CAncel My account and CRedit card charge and They have to gave you a CANCEL COnfirmation for future reference. Good Luck.!

Note: I have to wait until next month if I'm not charged it again? WHo Knows!

May 28, 2008 4:34 am EDT

I noticed this on my account this morning and called my bank. they are sending me a new card with a new account number...That will stop them. hahaha. These losers Probaby won't stop tapping into your account till they are stopped. It must make them feel real good knowing they are taking hard working families' money.

May 25, 2008 6:44 pm EDT

For those that are looking for the address to make complaints for these jerks here is that info
Attn: Customer Care
PO Box 19729
Irvine, CA [protected]

May 09, 2008 2:09 pm EDT

I called them up after noticing the charge 30 days after getting a credit report. I told them to cancel service but was charged the following month. I called back, and canceled again the day of the second monthly charge, and was told that my account was not properly canceled but the cancellation number I had been provided was valid. I asked to be transferred to a supervisor who looked at my account and found that the notes on my account confirmed my cancellation request but it had not been processed. I am told my charge is being refunded automatically for canceling on the day of the charge, and this time I actually received an email confirming my cancellation. The email contains a 7 digit confirmation number. I called the [protected] number that was listed above, and was not on hold for more than a few minutes.

May 07, 2008 8:31 pm EDT

I never requested or signed up for this service. I never even went to their website.

I have been charged for two months now and have not been able to get in touch with them but found another number on one of the above comments and will try that tomorrow.

May 05, 2008 3:57 pm EDT

[protected] this number worked from California. I was able to get two months of refund after speaking to a manager.

Apr 22, 2008 9:55 am EDT

I am interested in getting a class action lawsuit against this company. Write me at
[email protected]

Mar 18, 2008 2:05 pm EDT

Same thing happened to me.. They got me for 11.95 for not cancelling over the phone and then I tried to find some kind of cancellation button and clicked something that charged me 30 more dollars.

Mar 01, 2008 3:38 pm EST

MNI CREDITRPT SERVICES has been billing my Bank of America credit card for a few months. I did use their site for what they claimed was a 'free' credit report one time. I called their customer service number today to cancel [protected]). I was told by the guy on the line that they not only allowed me to view a 'free' credit report each month, but that they also send me e-mails every time that I use my credit card. Well, that's funny because I don't remember ever getting an e-mail like that. After confiriming th e-mail address that they have on my account to send to,I had the guy re-send me all of these 'alert' e-mails for the past two months. Well, I only got one message, which was a spam from them. Name: "" Subject: Complimentary credit score for you. So the 'alert e-mails' do not exist, only their spam does. As far as canceling, the guy I talked to was very nice and cancelled my membership and gave me a confirmation number, and told me that my membership runs out at the end of the month. Hopefully this is the last statement that I see this charge on.

Jan 28, 2008 2:52 pm EST

I was told to get in touch with you guys thrud the internet, all i want is not to be charge for this MNI*CREDITRPT SERVICES;
I hope that someone will take care of this matter and don't
charge me again the $11.95 that a have being charge. Thank you, Esperanza D.

Jan 15, 2008 3:54 pm EST


Jan 15, 2008 12:18 pm EST

SCAM - had the same issue - They offered a free credit report and in the fine print they say you agree to be charged 11.95 after 30 days trial for monitoring your credit without ever geting a report from them. They just charged my credit card, thats all what you get. Perfect scam, they don't need to do anything and if you do not take action they will charge your credit card on a monthly basis. Just an easy way to get rich.

Jan 02, 2008 8:41 am EST

I originally had service with this company in the beginning of 2006, then canceled shortly after. However, recently I started to receive bills from them. I called [protected] (same as [protected]) and spoke with a service rep who confirmed that my account was canceled in 2006. She then transfered me to their advanced billing dept [protected].

I spoke with a supervisor at the billing dept, who stated that my account was actually canceled TODAY! She stated that she can see the notes on my account made by the prior rep today... I was lost for words. I tried to explain that the other rep had few minutes ago confirmed that my account was closed in 06, but the supervisor wouldn't budge.

This is the most fraudulent company I have ever dealt with!

Jan 02, 2008 2:17 am EST

I ordered a copy of my credit report through them for $11.95 and they are still charging me $11.95 per month for what. I want it to stop. Thank you.

Dec 29, 2007 3:08 pm EST

I have tried to cancel this 3 tiimes. Can anyone help. We are finally canceling our credit card so that we can get it stopped.

Nov 29, 2007 9:23 am EST

I have no idea how you got my card # but there was money taken out of my account. Beware people!


Nov 23, 2007 11:50 am EST

I was charged11.95 for a credit report that i did not authorize!

Nov 19, 2007 7:21 am EST

This company took $11.95 from my bank account this month without authorization.

Nov 08, 2007 12:05 pm EST

I just browsed through many of your comments about being scammed by MNI Creditreport Service. This is just what this company is about -- scamming. I, too, was doing a favor by letting my son get his credit report and let him used my bank account (since this was required). Big mistake -- never give out your bank account or credit card before service is rendered. My son never received any credit report from this company. He was told he didn't have sufficient information. So we followed the requirement to cancel and did so immediately, but still my bank has been charged monthly for $11.95 since August. I'm so confused because my response to emails has been that the account was canceled -- yet I'm still being charged. They gave me an 800 number to call and I talked to a very arrogant service representative.

Suggestion: Contact your bank or credit card holder to file a dispute case and they will work with you to stop future charges and maybe remove past charges.

I'm all for a class action suit. I would definitely like to be included. WE MUST PUT A STOP TO THIS KIND OF SCAM NONSENSE!

Nov 07, 2007 8:09 am EST

I canceled the account before the thirty days was up. But still got charged $11.95 on my credit card. Call the number listed on the credit card. Was put on hold for a long time. Finally got to talk to someone. He would not take the charge off because I didn't have proof that I canceled, over the phone you don't have. Don't listen to anything that says it free, nothing is free, there is always
a hidden cost.

Nov 06, 2007 8:59 am EST

I was getting billed also. Try [protected]. The website is

Oct 31, 2007 10:21 pm EDT

I got this address fro their website.

Mighty Net, Inc., P.O. Box 9153, Canoga Park, CA 91304.

Oct 23, 2007 1:53 pm EDT

Thanks for your input guys, I called the number and cancelled, hopefully it works, Im going to put a stop to that as well in my bank. I didnt see the disclaimer on the left about the charging of 11.95 so I have been paying 11.95 a month, and at the moment Im a struggling student and they caused me to overdraft.

Oct 15, 2007 12:57 pm EDT

MNI is running a scam! I canceled my 30 day free trial about 10 minutes after i started it! The next month they billed my acct. When i called about the cancellation, i was told that i had never canceled the acct. The only option i was given was to cancel the account again! I guess i will wait and see what happens now. I don't think canceling twice will help. If someone decides to pursue legal action, send me an e-mail and I'm all in. Tell all your friends about the SCAM!