ADVICE TO THOSE WHO HAVE BEEN SCAMMED!

Because of CreditDiagnosis.com and MNI CreditReports we had to cancel our credit card. The Visa rep told us to give these companies a "courtesy call" to tell them about the card cancellation or they could actually try to charge another month and, when not receiving payment, can send the bill to a collection agency!

You have to call 3 numbers for Credit Diagnosis. It's an automated system but I got 3 emails confirming! Try these:

CreditDiagnosis - 800.379.5036
Your Savings Club - 877.820.7107
Identity Diagnosis - 888.840.6301

MNI CreditReports - 866.883.3309 We received a cancellation reference number but no email from MNI.

If were are forced to call again we will put phone on "speaker" and record the conversation. Technically you should tell the other "human" that you are recording but this may cause an immediate hang up! If I get a live person I intend to mention the recording at the end of the conversation. For automated reps you can't tell them this so you'll be OK!

And keep your phone bills! No need to subpoena the phone company if you have a paper trail!

If you used a debit card, go to your bank armed with the above. If necessary mail a certified letter to a specific person at the bank. Make copies of everything and keep them in a file. A certified letter to the companies is a good idea, too. If they are returned "Addressee Unknown" stick them in your file. You will show that you have made a good faith effort!

And alert the Better Business Bureau! My research showed that NO ONE has registered a complaint!!! and, though the on line site showed the BBB logo, they ARE NOT a BBB business!

I learned my lesson! Research before you sign up! Hindsight is 20/20!!!

I wish I could offer even more help!

Even though I telephoned on October 12 to cancel my membership, my November credit card statement shows that they continued to charge me. I believe these additional charges should be credited back to me. There is nothing in my stament that indicated that I have cancelled.

Tried to get 3 free credit reports membership id they gave me is not valid. I don't want to be charged for this.