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Get Your FICO Credit Score Free?

Taking a page from companies advertising free credit reports, a number of firms are now promoting free credit scores, including the company that invented the FICO score:

No disclaimers in the ad.  Nothing.  Maybe it’s really totally free!

When you click the ad, you are taken to this page on the MyFICO site:

Still no obvious strings. No asterisk after the word “free”. Go ahead and click the picture to see it full size. There, on the bottom is the VERY small disclaimer that reads:

*MOUSE PRINT:
 

IMPORTANT INFORMATION: When you order your free FICO Score here, you will begin your 10-day trial membership in Score Watch®. If you don’t cancel your membership within the 10-day trial period, you will be billed $14.95 for each month that you continue your membership. You may cancel your trial membership anytime within the trial period without charge.

The free score is only free when you sign up for a free trial, and if you fail to cancel that free trial within a short 10-days, you will be billed $14.95 monthly.

If you missed that inconspicuous disclosure and click to get your free score, you will be asked to part with a lot of personal information, including your date of birth, social security number, password, and full name and address — all before you are told on a subsequent page that you have to give a credit card number and it will be dinged $14.95 a month if you don’t cancel quickly.

FreeCreditReport.com got better about disclosure after the FTC went after them. And a new consumer law, the CARD Act requires better disclosure in ads promising free credit reports where you are really signing up for a trial of a continuing service. The law does not explicitly extend to offers of free credit scores, however. And therein lies the problem. Though general consumer law would require better disclosure, not until enough complaints get filed against “free score” offers, will disclosure likely improve.

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Detergent and Cookies Downsized

The latest products to downsize have keep the same old package, but decided to put less product inside.

P&G has just downsized its largest containers of Cascade dishwasher detergent ActionPacs.

*MOUSE PRINT:

In surprisingly large print, the company decreased the number of loads you get from each container from 110 to 105. The trouble is that most consumers have not memorized the number of loads that each size container of Cascade provides, so they are not likely to recognize they are now getting less for the same price.

Also downsizing but keeping the package the same is Mrs. Freshley’s.

*MOUSE PRINT:

Here, instead of getting 12 Buddy Bars in each box (six packages of two), you now get only eight (four packages of two) — a decrease of one-third! Most people, including MrConsumer would not have noticed this because the boxes are the exact same size. Mrs. Freshley’s indicated that in fact they make both eight bar and 12 bar products, but that it is the retailer who decides which to carry. In this case, it was Dollar Tree which apparently decided it could make more money selling the eight pack for a dollar.

Thanks to Cathy B. for spotting the Mrs. Freshley’s change. She also notes that Mrs. Freshley’s Swiss Rolls are being cut similarly, but the box is smaller.

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Car Rental Taxes and Fees Explode

Wow, can you imagine renting a car in Boston for only $57 a week during the peak of summer? That is the price that one price checking site found.

Unfortunately, the actual price you pay is nowhere near $57 because of all the taxes and fees that get added to the base rental price of the car.

*MOUSE PRINT:

All the taxes, fees, and surcharges add up to $66.74 — an amount that is more than the price of the car rental itself.

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