Lowermybills.com review: Scam 22

Jesus Charlie Brown, who PEED in your CHEERIOS? Maybe you should SWITCH to DE-CAF.

Not sure how scamtastic Lowermybills.com is, I was ready to hit the final "submit" and then I read the Terms and Conditions. This boilerplate is getting increasingly consumer-hostile. In addition to the stipulation that the consumer agrees any dispute to be resolved via arbitration in California (you will lose), item 13 (I think) essentially waives indemnification to the consumer even if LowerMyBills or a 3rd party related to service delivery knowingly defrauds you. I'm not sure why they would ask you to agree to that.

You're a ###ing idiot. Enough said.

Wow...you're a ###ing idiot. They just paired you to 3 websites that could help you dumb ###. Idiots!

And "Charlie Brown" is a dumb ### too for being a ###ing schizo...he/she is either reading this thinking they are NOT a schizo OR dead because they locked their own self in a bomb shelter somewhere awaiting 2012...idiots man...

Research ### before you comment jack-###...BOTH of yo.

Looks like you are the stupid one Charlie. They are owned by experian. Also the BBB gives then an A+ rating. I used tem for my mortgage and it worked just fine.

I keep getting Phishing scam notices notices on this company anytime I run my cursor over their ads.
All of their ads are offensive and sexually oriented. They have offensive
and suggestive pictures, and other moving offensive forms.

had similar experience - they had been recommended by CNN and Money magazine. they asked for all sorts of sensitive information - were very sneaky and dishonest the way they try to get info (I ended up answering most of their ridiculous questions with false information (most of their questions were completely irrelevant to car insurance applications - they don't need to know your household income and household assets). you will first go to a screen that promises "Low insurance quotes are just a couple of clicks away" and they first ask you for harmless information like name and age and zip code. Each of the numerous successive screens ask you for increasingly personal information while continuing to promise that "quotes are just one quick away", but once you click the button to continue, you are only brought to another screen that asks for increasingly sensitive information. In the end, you won't get your rate quotes - all you'll get are phone calls and emails from 5 insurance brokers armed with your sensitive info. Very disturbing, given that they have received recommendations from Money magazine and CNN.

How do you expect an accurate qoute with no "sensitive" info? Let just say you tell them your name is Joe Shmo and your SS # is [protected]. Then you get a full coverage insurance qoute for $10 per month and a mortgage qoute on a 30 year fixed rate at 1% with no closing cost. You then decide to take advantage on the qoute and find out you didnt qaulify because of inaccurate information. If you are going to take the time to put in your info why not make it accurate and get an accurate qoute?

With the current financial situation everyone loves to have a better deal. I believe not all internet offers are scams. However it is very difficult to find which one is real. There should be a regulation on the internet that not everyone can published as they like without retributions for any wrong doings.

These companies sell the consumers info to companies yhat resell your info to insurance agents trying to grow thier business. In some cases. you might get 10 to 15 agents trying to give you a quote. I suggest you find a local agent with a legit AAA company like American Family, Allstate, State Farm, that have local agents, employing people in your town and providing you local service. You may pay a little more than the discount companies, but none of your money sent to Progressive, AARP or Geico stays in your community or employs your neighbors.

Goodness. Most of these responses focus on humiliating the person who innocently responded to a very convincing advertisement, presented by a company which was recommended by CNN and Money Magazine. Is it really necessary to call that person [censor]ing Stupid? Why not just share a few tips: Use phony emails, phony phone numbers, phony names. If the website goes to the bother of validating your email, you know it was a scam. After learning that, try to refrain from calling the [censor]ing [censor]s on this website [censor]ing Stupid.

One more comment. The folks who call others [censor]ing Stupid had to provide personal information in order to post their comment on this website. I guess they, too, are [censor]ing Stupid.

I was also scammed just now. It didn't seem like the information I was giving was so personal or threatening, until the last line...when it required that I put in my social security number...it's effective enough the way it walks you through, that I almost did. Then it wouldn't let me submit without the SS#. At that point I felt like I was being scammed. On top of it, it was difficult to get out or away from the website, as though it had spyware, too. Yikes. Really bugs me, and makes me feel threatened, too, even though it ended up with my address, previous loan amounts, email, home phone number...I wonder what else it could get on me now...since it could use that information to find other information on me :(

I read some of the other comments... I like one very much...in the future, if I want a quote...I'll go with the Joe Shmoe information...and incorrect identifying personal information...that is, if I want their quote at all.

Also, I think the mean spirited person who called everyone stupid...is well, ...has bad character...is likely an unethical person, anti-social traits...and likely does illegal things. Certainly no one would want to be their friend or related to them. Spiritually ignorant.

I think it's funny that anyone would even question the illegitimacy of a website whose ads often include blatantly false information in an effort to attract only the most ignorant Internet users.

And honestly, being owned by Experian is a an indication that a company is trustworthy?! LOL, that's a good one. Talk about scams; look at the American credit infrastructure, for which Experian is largely responsible.

Want to lower your bills? Pay them off.

I just looked up Lowermybills.com on BBB (Better Business Bureau) and they are a legitimate business since 2000 with A+ on their record. However, the other review site, trustlink review gives a 1 star review. The reason for the low rating is because they sell your information to third parties. Even though Lowermybills.com is owned by Experian (one of the three credit report companies) they are just a middleman that acquires and sells your personal information. Better off doing research on your own.

BBB REVIEW - http://www.la.bbb.org/business-report/LowerMyBillsCom-Inc-13130473
TRUSTLINK REVIEW - http://www.trustlink.org/Reviews/LowerMyBillsCom-Inc-205800595

I am so sick of seeing their stupid ads on the web. Who cares if they're owned by Experian? Credit agencies screw people all the time with fraudulent profiles. It has been reported that up 1/3 of all people's credit ratings contains false information. 20 years ago credit ratings were not a part of everyone's consciousness and Experian, TransUnion etcetera were not a part of the common John Q Public lexicon. What a commentary on the sad state we live in.

I always laugh at people who think a BBB accredited company means anything. It only means that company has paid the BBB extortion money ie BBB membership fee to get the accreditation. In reality most companies that are BBB accredited are SCAMS because real companies don't pay the BBB extortion money for an accreditation. GET a clue people, the BBB is one of the biggest lies of all time.

I had a bad experience with Lowermybills.com a last year while looking into car insurance comparisons, but not nearly as bad as some I've read about where people were looking at loans or mortgages and had one or more hard inquiries made against their credit reports with the result of a lowered (much lowered in a few cases) credit score, which kept them from purchasing anything major on credit. I only got several emails and phone calls, because LMB's fine print says you waive your rights from Do Not Call Lists, etc.

I was relatively lucky, because I headed the callers off by immediately saying that I had accidentally entered some data to get online-only quotes, I was no longer interested and not to contact me anymore. I don't remember if I contacted LMB or they contacted me, but if so I informed them immediately to quit giving my info out to other companies. At that time I didn't know how they worked: by selling your information to as many affiliated companies as possible. I got another email from them two months ago with the same fake come-on saying that I should check out the latest rates, but I didn't bite this time. I also didn't delete it and just ran across it again while resetting my incoming Outlook.com email rules. Yes, it's going to be: If sender contains "lowermybills" then MARK IT AS JUNK. Microsoft can take care of it from there.

Fortunately, you have the right to tell any company who calls you to remove your name and contact info from their call or certain other contact lists immediately and they must do so within a short period of time. This is federal law. If they don't do so, make sure you get the company name and as much contact info as possible – because too often they don't supply it – and report them to the Federal Trade Commission at www.ftc.gov or Federal Communications Commission at www.fcc.gov. Those sites have links to their own complaint processes, but you can get there directly at www.ftc.gov/complaint or www.fcc.gov/complaints.

LowerMyBills can, and has in some cases that I've read, help you save time in getting what you want: good info or quotes, but it doesn't do this by giving you most of this information online as they misleadingly imply. In a majority of cases that I've seen it has been the exact opposite of helpful and caused lots of problems and headaches. In many cases, such as mine, it gets you spammed. As I said, however, I was lucky and only got spammed a small amount. I know I didn't fill in all the data they asked for when some information requested got too personal, but you don't have to finish filling out the whole online form. They capture however much you do fill in and sell it to whomever will buy it. Fortunately, not all companies treat form-filling this way, but from
my experience and that of others who related theirs, LMB is one of the sleazy ones.

So far I haven't heard of any identity theft coming from this – just a lot of info sold to as many other companies as possible. Remember that LMB is owned by Experian, which has almost all of that data on you anyway, so if you give out just enough information – especially name, birth date and social security number – any company that can provide a "valid" reason can inquire against your Experian, TransUnion and/or Equifax credit reports. You can only hope that almost all of that data is accurate if you ever need a loan or want to rent or buy an apartment, house, car or in some cases get a job.

Some comments above indicated that people were "###ing stupid" for giving out all their information and should Google companies first to find out whether they're legit. I hate to have to remind those people that Google is filled with documents that are basically shills praising a lot of companies, products or websites and others screaming "scam." Some companies and products do well for some people and not others, and some are great for most people or harmful for most people. Even if LMB does some people some good, it is definitely guilty of deceptive advertising and marketing practices including lies. To me that's a scam. I DO NOT RECOMMEND IT.

Regarding the Better Business Bureau, the comments saying that any company that pays a membership fee and registers with BBB is accredited are true. BBB accreditation means nothing as far as being a legitimate company as I discovered years ago with other companies. Many BBB's – and there are city or district ones, not a real central BBB you can check – don't really issue judgements about their member companies; they just report numbers and types of complaints, if any. I did notice via Google that the Los Angeles and a few other California city BBB's have initiated new reviews on LMB, so that must indicate that some A+ ratings are faulty. My experience is that you have to find the correct local BBB (yours or theirs) for checking out a company or filing a complaint; sometimes it's easy and sometimes it's not. Then most BBB's I tried to work with were great, and a few others were either clueless or tried to cover for (protect) their members. That works like local Chambers of Commerce, but don't even get me started on that...

Now regarding companies that sell your information everywhere and get you spam email, postal mail and telephone calls, welcome to the modern world of extreme greed! Some companies take your privacy very seriously, but many of the companies you do business with all the time sell your information unless you find out about it and ask them to stop. They will usually do that to avoid bad publicity and possible litigation or government intervention in a few cases. However, unless they tell you about it before they start selling your information and let you opt out in a relatively easy manner, the biggest damage has usually been done by the time you ask them to quit. Many people, including me, don't usually bother doing that, so we screw ourselves.

Also, because you have to give out important information to government authorities, to banks, insurance and other companies for various reasons, a lot of this data is considered public and is available to anyone who knows how to find it. Just check out all the websites where for certain monthly or annual fees you can get a lot of information on anybody. You could get it yourself for free if you knew where to look and had the time to do it, but most people who aren't paid detectives don't, so these outfits gather it up into a nice little package which they are more than willing to sell to you. They will even sell you your own information...really! There is a problem with this, however, and it's called way too many separate data bases owned by too many separate entities with data gotten from who-knows-where and mixed around until some of it is quite erroneous. I get really pissed when I receive mail addressed to me with a name that doesn't even exist, but I've checked and trying to correct all the errors just about me – not counting other family members, living and dead – in all the places that they exist would be impossible.

In conclusion, Lowermybills.com is a real loser or scam, but it's far from the only one. The websites, emails or apps that advertise these scams are just as bad in their greed and/or stupidity.

Pardon the length and wordiness of my comment, but I wanted to address as many other comments as possible, share things learned from 66+ years of living and occasional stupidity, summarize a few bad experiences I read about on other websites, and add or clarify information on the FTC, FCC, BBB and other things. I hope I haven't made any factual errors.

Captain kill em all is a @#$%^&*###! (or a pathetic lowermybills employee)
LowerMyBills is THE biggest scam on the Planet!
Even a non-thinking, brain-dead republican should realize the whole thing is a scam the second they read this company's main pitch line, thrown in our faces online everyday: "Obama removes credit score requirement"... seriously, only an ignorant ### would fall for for such a blatant lie!

The fact they use the side shot of biggest liar ever to sit in the Oval office to start their con job seems very fitting. Take a look at it, nothing more than donnie boy, king of corruption. Could they let you know any more clearly that they where out to rip you off. BYE