Free credit reports from MBNA ?

Anyone receive such letters from MBNA? They recently raised my credit limit and today I received this letter. I logged onto my mbna account directly and didn't see anything related to this. I'm not one bit interested in this and it smells like another phishing scam, but somehow it knows my full name and has the last 4 digits of my cc#.


This e-mail was sent to you by MBNA America. To ensure delivery to your inbox,
please add MBNA@CardSatisfaction.com to your address book.
Log in to MBNA Net Access

Re: Your account ending in XXXX.


Dear XXXXX XXXXXX,

At MBNA, protecting our customers from fraud is our top priority. As a valued customer, we would like to provide you with a complimentary credit report, which includes your personalized credit score. Simply click www.mbnaprivacyassist.com/yourreport. Registration only takes a minute.

Your credit report gives you in-depth credit information and even lets you compare your credit score to the national average. It includes:

Personalized score
National ranking
Personal directory of creditors
Personal advice on credit score
Positive/negative factors analysis

If you're thinking about making any large purchases (auto or home), this is the score lenders use to measure your credit risk -- the higher the score, the more likely you'll be approved or offered a lower interest rate.

Your informative and complete credit report and score is one more way we actively support your account with ongoing safety and security. This "thank you" credit report is being provided to you free of charge for being a valued MBNA cardholder.





Privacy Assist® products are provided by Intersections, Inc., a financial services company located in Chantilly, VA.

If you do not wish to receive e-mails that are primarily about marketing offers from MBNA America, please click here and follow the online instructions to remove your e-mail address. However, we may still send you servicing messages about your account.

Please do not reply to this e-mail, as our computer-automated system cannot process e-mail requests. If you have inquiries or comments, please write to us at MBNA America, 1100 North King Street, P.O. Box 15266, Wilmington, DE 19850

Looks legitimate to me. "mbnaprivacyassist.com" is registered to "MBNA America Bank, N.A." and uses MBNA.COM name servers.

Their security certificate is also registered to "MBNA America Bank, N.A." and has been verified by Verisign.

Verify your self with the URL you click, some scam show the URL(correct url) but when you click on it, it shows the different URL. That is scam. Watch out. Pay attention to the URL. Very Important

johto said: also linked to on this page

<edit>
tried this and got all signed up, but couldn't complete a credit report/score 'order'. wonder if they know who was targeted with a letter offering a free one?
</edit>

did you sign up using OPs link or through the link which you showed ?

mansa said: did you sign up using OPs link or through the link which you showed ?

OP link, which showed a free report at the very beginning.

Thanks op. Good offer.

MBNA Privacy Assist is a legitimate service provided by MBNA. It's the service that MBNA recommends to use for checking credit reports, and preventing fraud. There are direct links from mbna.com to mbnaprivacyassist.com, for example: Credit History and Fraud Protection.

Does it work with Charles Schwab MBNA Card???

amitkurich said: Does it work with Charles Schwab MBNA Card???

Yup, I got mine.

Yes, it's the score. Thanks OP!

I got a free credit report (without score) from Equifax recently, could I still get into this deal?

Got mine. It worked. Thanks!

Thanks and for the person mentioning the Charles Schwab card; I forgot it was from MBNA. Saw my score (762) for the first time. That's higher than I thought.

After filling in everything, I couldn't see my report or the score. Also, I found a $2.95 temporary charge on my MBNA CC

Christie said: After filling in everything, I couldn't see my report or the score. Also, I found a $2.95 temporary charge on my MBNA CC
I have the 2.95 temp charge on my card too, though I did see my report and score. Maybe you should logout and relogin to see if it'll solve the problem.

so is this going to cost us $2.95 or what??? I dont want to go through the hassle of calling in to complain

Not true. I chose the online version... and I see the temp. authorization for $2.95 too.

Just talked to privacyassist, they said the $2.95 will drop off and is only temp.

FAKO... from their Terms of Use.


CreditXpert Credit Scores(TM) are provided to help users better understand how lenders evaluate consumer credit reports. Lenders may use a different score to evaluate a person’s creditworthiness. Therefore, nothing in CreditXpert products is an endorsement or a determination of a person’s qualification for a loan, a change in loan terms or any other extension of credit by lenders. Each lender has specific underwriting standards, so a person should not assume that he or she will receive the same evaluation, credit terms or conditions from each lender.
Also, CreditXpert Inc. is not connected in any way to Fair Isaac Corporation; the CreditXpert Credit Score is not a so-called FICO® score. CreditXpert Inc. does not represent that CreditXpert Credit Scores are identical or similar to any specific credit scores produced by any other company. Moreover, score changes predicted by CreditXpert products are only estimates. CreditXpert Inc. does not guarantee that credit scores from any other company will change by the same number of points, if at all.

zsu135 said: Does the report contain SOFT credit pulls?
Thx.

How soft?

tinyboy said: azntwboy said: i tried the link. doesnt work anymore? i want my free credit score!!! I applied the Providian visa card to get the free monthly credit score, but I was reject. All I got to know is that my score is not that high.
Yipes! providian rejected you. Your score must be really low, I guess you will have to try orchard bank now.