– Not So Free After All

I’ve seen the website many times before, but it wasn’t until I ran across it again tonight doing a google search, that I knew I had to do a post dedicated to it. So here’s my take…

Not So

This is another one of those free trial offers, they say you get your free credit scores to lure you in, but really it’s just a 7-day trial of a credit monitoring service which is significantly overpriced to begin with. If you forget to cancel your trial, you’re stuck with $29.95 fee, just for one month of service. Read More & – Watch Out For These Guys

I was browsing for free things this evening, and I just happened to type in, there was nothing there but a “sorry, not found” page… so of course I tried and all I found there was a redirect to another site which wanted me to sign up for a service called PrivacyGuard.

To be fair, I’m familiar with PrivacyGuard, it’s a good service. But whatever you do, don’t sign-up through that link, the monthly price is mysteriously $5 more than it should be. And if you know anything about me, you know I can’t stand unnecessary spending (yes even just $5). I suspect that $5 increase is just a way to put more money in the pocket of whoever owns that domain name, so just don’t do it through that link. Read More – Free FICO Credit Score for Citi Cardmembers

I ran across an interesting bit of information today, certain Citi Credit Card holders can get their free FICO® Credit Score, based on their Equinox credit report, updated once a month. It said to go to, which I did and this is what I found…

Apparently only certain Citi cardmembers are eligible for this Free FICO Credit Score, so not all Citi members are able to get it. Also, it’s only 1 credit score, instead of all 3. Read More – Apply For Citi Double Cash Card Online

If I had a dime for every credit card offer I received in the mail.. well today I received an interesting one that I’m seriously considering applying for. It’s called the Citi® Double Cash Card. The advertisement directed me to to apply.

It’s an interesting offer, it’s a 1% cash back rewards card, but that’s not the end of it. What makes it so interesting to me is that you will also receive 1% cash back on what you pay on your balance, so that’s basically double cash back, no restrictions, no rotating categories, no annual fees. My current credit card (Chase Freedom) I receive 1% cash back, but no cash back on what I pay on my balance, that’s what sets this card apart from the crowd. Read More – Apply for Citi ThankYou Preferred Card

I receive so many of those so called “pre-approved” credit card offers in the mail, typically I just toss them, but when I got an invitation to apply for the Citi ThankYou Preferred Credit Card, I had to investigate further.

The invitation instructed me to direct my browser to and enter my “invitation Code” to apply. But before I did that, I did a little research into what this card offers, and its pros and cons. Here’s an outline of what I discovered: Read More