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     | Sunday, July 02, 2000 - 02:08 pm  Unfortunately NOT free, but here you can get your Experian report on-line. Available PRODUCTS - from the Qspace site as of today: "What is the "Online Credit Report"? The Online Credit Report can be viewed online in real-time (30 seconds). It contains information pulled from Experian. The cost is only $7.95. What is the "Merged Report"? The Merged Report contains information from all three credit bureaus; Experian, Trans Union, and Equifax. Report is delivered by regular mail. The cost is only $29.95 including shipping. What are the "Monitoring Reports"? The Monitoring Service includes a FREE copy of the Three-Bureau Merged Report by regular mail AND the customer will get quarterly reports of new activity on the credit report to detect inaccuracies and guard against fraud. The cost for this annual monitoring service is only $49.95." According to their FAQ the EXPERIAN online credit report is retrieved in 30 seconds, most of the time UNLESS they are unable to automatically authenticate your identity. Apparently the merged reports a SNAIL MAILED. I e-mailed to Qspace asking whether inquiries are added to your reports. Assume that you WILL add inquiries until otherwise posted here. Please post your experiences and/or questions.
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| | Friday, December 22, 2000 - 06:54 pm Well, I now had some experiences with Qspace and I'm NOT pleased. 1.) Never got a response to my E-mail. Not that this is unusual, except for Compubank and Paytrust I don't think any BayHouse advertisers have bothered to respond to my inquiries about their products and services. 2.) As several other readers already posted, their reports lack quality. The plain language reports OMIT very important data. For example, I think I figured out that when an account is reported as "Derogatory: 1 time" and it's a chargeoff or an account that was late many times, this indicates that it is actually reported as "included in bankruptcy." I don't know that for sure, but when somebody filed bankruptcy usually a few companies do report correctly. On a 24 PAGE report I didn't see any reference to the bankruptcy other than the reported public record filing. Qspace Sample Report I also can find no reference to bankruptcy. It should be ILLEGAL to sell reports that are purposely designed to mislead consumers. It takes me at least an HOUR to review a Qspace bankruptcy report instead of 10 to 20 minutes for an Equifax report. The plain language Experian report is only slightly better than Qspace. 3)The Qspace "Personal Credit Score" is a joke. Sample "Personalized Credit Score Analysis" Aside from stating that only late payments on open accounts hurt your credit rating and other very strange statements, I find this most bizarre: "Meanwhile, up to 7 years of credit history is considered short, and less than 3 years of history is considered too little." HUH?? Just about every 20 year old is getting flooded with credit cards (as long as there's no DEROGS on the credit and a couple of accounts like Macy's or gas cards.) Just look at all these young people posting here that they filed for bankruptcy! You got to have credit before you can discharge .... I have personally assisted many YOUNG first-time buyers. 3 or 4 years of history was always just PERFECT. Aside from that, I've seen REAL (Fair Isaac) Credit Scores ABOVE 700 for people with less than 2 years payment history and no derogs. As a matter of fact, a common complaint about the Fair Isaac Scores is that they rate consumers with very thin files (little/short credit) too high. Qspace is selling a completely worthless credit score. It can't be used for ANYTHING. No lender uses it, and Qspace does NOT approve loans.
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| | Friday, December 22, 2000 - 07:03 pm From the Qspace sample credit score page: Currently, your CreditXpert Credit Score(tm) will make it difficult for you to get the best offers, especially for credit cards. Apparently I was wrong assuming that "no lender uses it ..." It WOULD be helpful to be able to take the Qspace CreditXpert Credit Score(tm) to those lenders using it to see whether you qualify without incurring an inquiry resulting in a decline. Which companies utilize the Qspace CreditXpert Credit Score(tm)?????
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| | Saturday, December 23, 2000 - 02:13 pm FYI, I pulled my report from Qspace, which pulled an Equifax on me (apparently they use Equifax AND Experian, depending on their whim)... I then pulled a separate report from Equifax, and the reports were totally different in notations... Qspace didn't show that a bunch of accounts didn't exist 24 months ago, versus Equifax's report having the exact dates. Equifax's report is $8.00... Same as Qspace, and you get it from the source... www.equifax.com -Dave
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| | Saturday, December 23, 2000 - 03:29 pm Thanks, David. That's good to know and very strange. People should KNOW which report they are going to get! Apparently the quality sucks, either way. Why does Qspace get away with that? Also, since Qspace and Consumerinfo.com merged, maybe getting the Equifax report was a system screwup. By pulling a report directly from Equifax, you can also dispute online, and it's pretty simple, although not very flexible. I.e. you get the option of what to dispute, "included in bankruptcy" is one of the options if you discharged. All you have to do is check that box, it's very easy. And if anyone finds that things changed, please post!
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| | Saturday, December 23, 2000 - 05:19 pm I too checked out Qspace. I had my Equifax report that was mailed to me 2 weeks ago. I went on the other nite and pulled my Qspace report, which pulled me EQuifax. There were 6 accounts still open with balances that appeared on Qspace, they should not be there and "if" they infact pulled directly from Equifax this couldn't possibly be true. I just pulled it to see if it would be current and IT IS NOT. I of course emailed them with my displeasure and they sent me back a typical generated response that their reports are pulled directly from the agency and if their is a problem contact Equifax or creditor, HOGWASH, they are selling outdated reports and making 8.00 for them.
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| | Saturday, December 23, 2000 - 07:29 pm That is just unreal. Save your reports, and I'll try'n think of something to do about this. Maybe somebody else has suggestions? This definitely is not right.
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| | Monday, December 25, 2000 - 04:43 pm Two things: A) Every time I've pulled a Qspace report (which is going on 3 times now), it's been Equifax. I never noticed how far off from real it was until this time. B) I noticed my AMEX and Sovereign accounts are already listed as "Included in Bankruptcy", but believe it or not, I haven't been discharged yet!
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| | Monday, December 25, 2000 - 04:52 pm The Equifax report I pulled from QSpace tonight was a carbon copy of the report I got from them 30 days ago, so I paid for the same information twice. It therefore came as no surprise that the credit score I pulled tonight was the same score I pulled a week or two ago, so I paid for it twice, too. Both scores were based on the credit report I pulled 30 days ago. Qspace obviously hasn't perfected its system/software. If they don't give me a refund, I'll dispute the charge with my CC company. They sold me defective merchandise tonight.
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| | Tuesday, December 26, 2000 - 10:45 am Much appreciate your postings. I find this so outrageous, I spent all of Saturday night reading, rating and commenting on the Qspace reviews at Epinions. I've started on my own review, but well, got a couple of other things in the works right now, so it'll probably be a few days. It's very frustrating to read how Consumers HIGHLY recommend Qspace because the reports are "easy to read" and available on-line. Epinion Qspace Reviews Epinions isn't perfect, their system is not ready for the volume of traffic they're getting, but I highly recommend that everybody POST their opinions there. They have a 100 word minimum and reviews are RATED by the readers. Spelling, grammatic and overall readability are important. It helps to read at least some of the existing reviews and comments to get the idea. My Epinions Profile with more details on Epinions and includes some of my thoughts on Epinions. I rated almost every one of the 24 reviews, many as NOT recommended. It's nice to let the reviewers know in the comments why you didn't recommend their review, that way they can CHANGE their rating of Qspace to NOT recommended. I think the FTC should order Qspace to refund to EVERYBODY and prohibit Qspace from providing credit reports unless they can demonstrate that the reports are accurate, complete, current and from a specific CRA.
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| | Wednesday, December 27, 2000 - 03:21 am As I previously posted Qspace is definatly a ripoff because of the lack of content in the reports they sell. I asked them for a more complete listing of an item on my report and they said to contact Equifax. Who needs a report with a bunch of abbreviations for long names. Who needs a report with hardly any account numbers or addresses on it. They are taking simplicity too far. I am also a epinions browser, I'm finding that site quite addictive. I can't beleive so many people gave them a good rating.
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| | Wednesday, December 27, 2000 - 10:58 am Well, Qspace sent me a terse email today denying the request I made three days ago for a refund. Guess it's corporate policy for them to sell you the same credit report and score twice. Here are the facts: I ordered a report with no score on Nov. 27. On Dec. 19, I ordered the score to go along with the Nov. 27 report. On Dec. 25, they sent me an email advising me that my Nov. 27 report was about to expire and inviting me to order a new one. I ordered a new one, along with a new score. The info in both the new report and the new score was the same as the original report I ordered on Nov. 27 and the score I ordered on Dec. 19. In short, I paid for the same info twice. Here is the precise email I received today from Qspace: "We feel that we have fulfilled our offer in a straightforward manner. We respectfully deny your request for a refund. no resent info might of have been posted to your credit report" The typos, errors in grammar/usage and lack of proper punctuation are theirs. Buyer beware.
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| | Wednesday, December 27, 2000 - 12:20 pm Hmmm. Qspace must have had a change of heart after I sent them a terse, return email today to complain about their service and treatment of customers. A human being actually wrote me a thoughtful email after I complained and completely fixed the problem. I received both a new report and a new score. The score even went up a couple of points because the info was fresher. It's too bad I had to fight them this way, but at least they did the right thing in the end.
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| | Wednesday, December 27, 2000 - 03:08 pm Much appreciate your update, Maurice. I'm wondering though, are you now confident that you have a complete and accurate report, i.e. the exact same data as at the CRA? Your experience tells me that Qspace KNOWS they have a problem, they do NOTHING to correct it. It's a very safe guess that the Qspace analysts projected the highest profits with extremely poor customer service as well as poor quality reports. After all, the very worst that could happen is that they have to give someone a new, more current report. They know exactly that only about 1 in 1000 NOTICE a problem with their reports AND complain. They send the denial of the refund request, and another significant number of consumers will just go away. I am just so tired of being mislead, deceived, cheated and ripped off by some corporation maximizing their profits AT LEAST once a week. While Qspace fixed your immediate problem, I doubt that they fixed the problem for the rest of their customers. And just to make SURE, I went to their site and checked. Of course they fixed NOTHING, there is no indication which report you will get. I did NOT see an announcement apologizing for old and incomplete reports, with an offer for full refunds to anyone who thinks they received a substandard report. I also think Qspace should E-mail every customer who ever ordered a report and advise of potential problems with the accuracy of their reports. I know, fat chance unless that's ordered by a court.
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| | Wednesday, December 27, 2000 - 03:30 pm Epinions.com -- this has the capability of permitting people to do to corporations what corporations do to people. It's like a "credit report" on companies that let you know what your chances are of having a good experience with the company. Unfortunately it has people, mainly the site admins, reviewing people's opinions. People that, in many cases, have never used the product or service say whether your opinion is valuable or not. I've written some pretty thorough reviews of a product or service indicating specific incidents that showed why I reviewed the product the way I did. Some of them were extremely thorough and complete but only got reviewed as "recommended" or some as "not recommended." Only one of my reviews was marked "highly recommended." We should develop a scoring system to indicate the likelihood that a person will have a problem with a company.
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| | Wednesday, December 27, 2000 - 06:46 pm Shylock, your posting motivated me to finally start the Epinions topic. Didn't want to move your posting, think it should stay here too. Would appreciate your repost at http://www.bayhouse.com/discus/messages/4/999.html?977977182 You've brought up some interesting points. And what's your epinions id?
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| | Thursday, December 28, 2000 - 04:49 am Well, this is the only review I posted that was reviewed as 'highly recommended.' I've posted reviews on every credit card I've had since I started.
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| | Thursday, December 28, 2000 - 12:45 pm Well I have emailed Qspace FOUR times and they have completely ignored my emails. I want a refund for this outdated report. I have tried to file a complaint with the BBB, but it seems that their .com business and zip code came up with no findings. How else can I file a complaint about this company?? I am sooooo mad I can't even see straight, I have posted to every message board I know and will continue to do so, I don't want this happening to anyone else. I don't understand how they can stay in business .
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| | Thursday, December 28, 2000 - 03:04 pm Ann, I'd personally much appreciate it if you filed a complaint with the FTC, I just posted some info at Filing a complaint with the FTC. I'd really like to know how Qspace reacts to copies of FTC complaints.
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| | Thursday, December 28, 2000 - 04:11 pm Thanks Christine, I went to the FTC and filed a former complaint. I don't know if anything will happen but I just could not sit and let them get away with this. Thanks again
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