CCC are marketing credit score monitoring

[Anonymous]

I had spoke with a CSR from my Discover card and at the end of the conversation she tried to sell me monitoring service to help keep up with my credit score. I asked was it the vantage or plus scores and she said yes. I asked when you approved me, were those the scores Discover used and she said no, they use Fico. I politely declined.

Before I came to this site I would have bit and paid additional fee's to monitor my FAKO scores but MyFico has open my eyes to a lot of the nonsense. Just wanted to say thanks.

[MarineVietVet]

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@Anonymous wrote:

I had spoke with a CSR from my Discover card and at the end of the conversation she tried to sell me monitoring service to help keep up with my credit score. I asked was it the vantage or plus scores and she said yes. I asked when you approved me, were those the scores Discover used and she said no, they use Fico. I politely declined.

Before I came to this site I would have bit and paid additional fee's to monitor my FAKO scores but MyFico has open my eyes to a lot of the nonsense. Just wanted to say thanks.

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You're not alone. I was the same way.

[marty56]

At least the CSR was honest.  OT but National City, a TU puller used to use True Credit but the switched to an Experian based service last year.

[sgs10]

I had those marketing with discover, cap1 & citi.

[laz98]

my express card just tried to sell me on some identity theft program they have, kind of like credit monitoring & lifelock all-in-one.  kinda weird, for a store card.

[Anonymous]

Everytime that I call any of my CCCs, they do the sales pitch at the end of the call. I had no idea there were so many different Fakos out there!

[ngerasimatos]

I prefer to do all of my contact with my CCC through email. I never call them unless its urgent.

[Duke-of-Earl]

Trouble is, your e-mail will be answered by a robot.  It will piece together a response from a database of phrases keyed to just one or two words in your message.  Then it will tack on a patronizing lecture about something you probably are *not* doing wrong anyway, with a final advice to contact the company by e-mail instead next time.

No criticism intended of you and your preference, ngerasimatos, just of the system.  I used to try to resolve problems through e-mail contacts too.  At first, it seemed so much easier than clicking through useless "press 1 for ..." menus and eventually listening to a recorded sales pitch while waiting for a C"S" rep.  But then I realized my frustration with the invariably non-responsive e-mail answers was even worse than the phone experience.