topic Re: An Update on the TrueCredit Service in General Credit Topics

An Update on the TrueCredit Service

laz98 — Wed, 31 Dec 2008 09:38:46 GMT

As many of you already know, TC said it was changing its service to only allow one 3-in-1 report every 30 days. A lot of people cancelled because of this change.

For a few days, I wasn't able to pull every day, like I was able to do before TC changed their terms of service. However, the last couple of days, I have noticed that I have been able to do so. The screen looks different, but I can still update, so I could care less what the screen looks like!

So it looks like nothing really changed after all, except their presentation....

Update your credit information*

Change Report shows you—quickly and clearly—what's changed in your TransUnion Credit Report with easy-to-follow comparisons and graphics.

- And -

Whether you're verifying account activity to guard against identity theft, buying a new home or car, or just doing monthly financial maintenance, review your 3-Bureau Credit Report.

Next update available on January 01, 2009 at 1:23 AM Eastern time

*As a 3-Bureau Monitoring member, you may receive a new TransUnion Change Report once per 24-hour period and get an update from all three credit bureaus once per 24-hour period.

Re: An Update on the TrueCredit Service

llecs — Wed, 31 Dec 2008 13:24:09 GMT

So you are able to refresh all 3 reports everyday?

I tried just now and could only get the change report for TU only. My next available 3-in-1 update is available on 1-16.

Re: An Update on the TrueCredit Service

haulingthescoreup — Wed, 31 Dec 2008 16:09:00 GMT

How long ago did you pull your last 3-in-1? I last pulled on 12/16, and it still says I have to wait until 1/15. I'm jealous!

Edit to delete acres and acres of white space.

Message Edited by haulingthescoreup on 12-31-2008 08:09 AM

Re: An Update on the TrueCredit Service

laz98 — Wed, 31 Dec 2008 19:06:01 GMT

yes, since saturday i have been able to pull reports every day. i last pulled reports about 12 hours ago

Re: An Update on the TrueCredit Service

Math_Rocks — Wed, 31 Dec 2008 19:46:53 GMT

But I think this only shows changes on TU.

Re: An Update on the TrueCredit Service

laz98 — Wed, 31 Dec 2008 19:49:53 GMT

@Math_Rocks wrote:
But I think this only shows changes on TU.

not at all. maybe you didn't see this part at the bottom of my initial post:

Whether you're verifying account activity to guard against identity theft, buying a new home or car, or just doing monthly financial maintenance, review your 3-Bureau Credit Report.

Next update available on January 01, 2009 at 1:23 AM Eastern time

*As a 3-Bureau Monitoring member, you may receive a new TransUnion Change Report once per 24-hour period and get an update from all three credit bureaus once per 24-hour period.

Re: An Update on the TrueCredit Service

llecs — Wed, 31 Dec 2008 20:05:36 GMT

Laz98, did you do anything that could have lead to that change? Called them? Threaten to cancel? Anything? And what was your updating frequency like prior to their quirky change? Daily? Weekly?

Some of you may remember that TC purged their daily pullers around Sept. 2007. Some theorized that TC was loosing money because they have to pay $$$ to EX and EQ each time there is a new pull. Maybe this is their way of purging frequent pullers. Last year, they cancelled memberships to those that pulled frequently.

Re: An Update on the TrueCredit Service

laz98 — Wed, 31 Dec 2008 20:12:25 GMT

@llecs wrote:
Laz98, did you do anything that could have lead to that change? Called them? Threaten to cancel? Anything? And what was your updating frequency like prior to their quirky change? Daily? Weekly?

Some of you may remember that TC purged their daily pullers around Sept. 2007. Some theorized that TC was loosing money because they have to pay $$$ to EX and EQ each time there is a new pull. Maybe this is their way of purging frequent pullers. Last year, they cancelled memberships to those that pulled frequently.

if anything, i would say i was pulling more frequently!

earlier in the year, i would update about once a week or so, just to satisfy my curiosity. since october, i would say i have been pulling new reports every other day or every two days, because i opened new accounts & have been making other changes to my reports.

i would think they would have kicked me out, too! but no, i thought about cancelling, but didn't get around to it.......now i'm kind of glad, since it seems the service hasn't really changed for me.

it has to be something they changed on their end. i know before saturday, i had the same message that said i wouldn't be able to get a new 3-in-1 report until mid-january. i don't know what is different now.

however, my gf's account still says she can't update until january 19. her reports, i only pull maybe every 2-3 weeks. no big changes there.

Re: An Update on the TrueCredit Service

Math_Rocks — Wed, 31 Dec 2008 20:16:31 GMT

Update your credit information*
You can also view your most recently updated credit report now Change Report shows you—quickly and clearly—what's changed in your TransUnion Credit Report with easy-to-follow comparisons and graphics.
- And -

Whether you're verifying account activity to guard against identity theft, buying a new home or car, or just doing monthly financial maintenance, review your 3-Bureau Credit Report.
Next update available on January 17, 2009 at 6:18 AM Eastern time

*As a 3-Bureau Monitoring member, you may receive a new TransUnion Change Report once per 24-hour period and get an update from all three credit bureaus once every 30 days.

laz98,

I think you must be special - I went in right away to try to update my 3-in-1 and you can see my options above.

Re: An Update on the TrueCredit Service

laz98 — Wed, 31 Dec 2008 20:29:37 GMT

math_rocks,

don't feel bad, my gf can't update her report either

(by the way, i have to say this.......math really stinks! lol)

Re: An Update on the TrueCredit Service

iltph — Wed, 31 Dec 2008 22:00:15 GMT

The last time I did a 3 in 1 was on Dec 17 and it's saying I can't update again until Jan 16. If they don't change it back, I'm going to cancel before my next renewal date.

Re: An Update on the TrueCredit Service

Anonymous — Wed, 31 Dec 2008 22:27:43 GMT

I just checked mine, and it still says every 30 days for me.

Re: An Update on the TrueCredit Service

Shani — Sat, 03 Jan 2009 05:25:00 GMT

On the home page there's a link in the middle of the page, right side called "A message for 3-Bureau Credit Monitoring customers".

The message page says: "As of December 17, 2008, 3-Bureau Credit Monitoring subscribers will no longer have daily access to their Equifax or Experian credit reports and scores, but will be able to update them once every 30 days."...

I signed up for this early Dec specifically so I could pull reports often. Now that they've cut that off I'm going to drop it. Sure would have been nice if there had been some notice, or at the least send an email notice to current subscribers.

Re: An Update on the TrueCredit Service

Anonymous — Sat, 03 Jan 2009 08:35:30 GMT

I think the OP is confusing the Change Report with the Full Report - the change report can be ordered every day, but it only lists changes in a weird format - it does not list all lines like the full report.

the change report existed as an option since september.

the full report is stil once every 30 days.

Re: An Update on the TrueCredit Service

llecs — Sat, 03 Jan 2009 09:18:50 GMT

demed wrote:
I think the OP is confusing the Change Report with the Full Report - the change report can be ordered every day, but it only lists changes in a weird format - it does not list all lines like the full report.
the change report existed as an option since september.
the full report is stil once every 30 days.

I believe Laz. He pulled from the 17th of Dec. onwards and received the same msg as all of us. He then pulled Dec. 31. He copy and pasted the results of the screen following the pull saying he is eligible to pull again on 1-1-09. Even if he didn't pull on 12-31, his next availble pull date should have read 1-17.

Re: An Update on the TrueCredit Service

laz98 — Sat, 03 Jan 2009 11:41:49 GMT

@Anonymous wrote:
I think the OP is confusing the Change Report with the Full Report - the change report can be ordered every day, but it only lists changes in a weird format - it does not list all lines like the full report.
the change report existed as an option since september.
the full report is stil once every 30 days.

hi demed,

you're right, the change report has been there for a while, & it's not the same as a new report. but that is NOT what i am talking about. i actually can pull all 3 reports every day still. at first, i was thinking it was just a glitch or something, & that i shouldn't get my hopes up about it staying that way. but now, i'm thinking that if it was just a glitch, it wouldn't show me the option that i copied & pasted in my first post (the part in bold).

i've actually been "eligible" to pull a new 3-in-1 report for the last 5 hours, but i'm probably not going to do it til monday. i'll copy & paste the new date & time that it says i can pull a new 3-in-1 then.

Re: An Update on the TrueCredit Service

Anonymous — Fri, 27 Feb 2009 03:05:11 GMT

I just ordered truecredit for the first time about 2 weeks ago. How do I pulled new or updated reports? I'm lost! Can I only get new pulls once a month and if so how do I know when that date is?

Re: An Update on the TrueCredit Service

Junejer — Fri, 27 Feb 2009 04:05:17 GMT

Jennaaylee wrote:
I just ordered truecredit for the first time about 2 weeks ago. How do I pulled new or updated reports? I'm lost! Can I only get new pulls once a month and if so how do I know when that date is?

You have to go under my credit, then to the right about midway down the page, there's an update score link. Click it and agree and confirm what they are asking you to agree to and confirm.

Re: An Update on the TrueCredit Service

Junejer — Fri, 27 Feb 2009 04:05:49 GMT

Laz, are you still getting updates daily from all three?

laz98 wrote:

@Anonymous wrote:
I think the OP is confusing the Change Report with the Full Report - the change report can be ordered every day, but it only lists changes in a weird format - it does not list all lines like the full report.
the change report existed as an option since september.
the full report is stil once every 30 days.

hi demed,

you're right, the change report has been there for a while, & it's not the same as a new report. but that is NOT what i am talking about. i actually can pull all 3 reports every day still. at first, i was thinking it was just a glitch or something, & that i shouldn't get my hopes up about it staying that way. but now, i'm thinking that if it was just a glitch, it wouldn't show me the option that i copied & pasted in my first post (the part in bold).

i've actually been "eligible" to pull a new 3-in-1 report for the last 5 hours, but i'm probably not going to do it til monday. i'll copy & paste the new date & time that it says i can pull a new 3-in-1 then.

Re: An Update on the TrueCredit Service

laz98 — Fri, 27 Feb 2009 05:27:25 GMT

yes sir, i sure am! sorry i never came back & updated the forum.