topic Re: CreditCheckTotal is a scam... in General Credit Topics

CreditCheckTotal is a scam...

Anonymous — Wed, 17 Jun 2015 00:37:24 GMT

I subscribed to their service today because of the big banner "3 Credit Reports and FICO scores 3 times a month for $1" come to find out, it's $1 for 7 days and $29.95 automatically billed to you after the trial every month. I cancelled for false advertising

Re: CreditCheckTotal is a scam...

Pway — Wed, 17 Jun 2015 00:44:07 GMT

How is it a scam? When you visit the site it has important informaiton at the top of the page.

Re: CreditCheckTotal is a scam...

Anonymous — Wed, 17 Jun 2015 01:53:37 GMT

How is that a scam? It's clearly stated, as with all free trials, that you will automatically be billed each month after your free trial..

If you cancel within those seven days you will not be billed.

Re: CreditCheckTotal is a scam...

EW800 — Wed, 17 Jun 2015 02:26:06 GMT

I am also wondering how that is a scam? They have it plastered all over the place that it is $1 for the first seven days and the $29.xx/month after that if you don't cancel.

What aspect is a scam?

Re: CreditCheckTotal is a scam...

Anonymous — Wed, 17 Jun 2015 02:30:38 GMT

Scam or maybe we can't read english? Seems pretty clear to me. Did they chuckle when you called to cancel and your reasons?

Re: CreditCheckTotal is a scam...

Anonymous — Wed, 17 Jun 2015 02:37:32 GMT

...my issue with CreditCheckTotal is I almost feel I'm in the Garden because I keep wanting to hit the updated credit scores. My goal is to check the 3 every 10 days. So far it's only been 5 days! It's like trying to say NO to new cc apps.

Re: CreditCheckTotal is a scam...

Revelate — Wed, 17 Jun 2015 02:43:08 GMT

@Vulcan1600 wrote:
...my issue with CreditCheckTotal is I almost feel I'm in the Garden because I keep wanting to hit the updated credit scores. My goal is to check the 3 every 10 days. So far it's only been 5 days! It's like trying to say NO to new cc apps.

LOL - literally! Thank you Vulcan!

Re: CreditCheckTotal is a scam...

ceejx — Wed, 17 Jun 2015 04:19:36 GMT

It's not a scam, but it is purposefully bad phrasing of the main slogan on their site "Get Your 3 Credit Reports & FICO® Scores* 3 times a month for $1!" ... But they do have "Important Information" posted on the top to CYA that they mean $1 for 7 days then $29.95/mo. Always know the terms before you enter into any contract, and if it sounds too good to be true, then it likely is too good to be true.

EDIT 1: I'm assuming they provide Experian FAKO not actual FICO? If it's really FICO then I might sign up.

EDIT 2: Nevermind, it really is FICO: *Credit score calculated based on FICO Score 8 model. Your lender or insurer may use a different FICO Score than FICO Score 8, or another type of credit score altogether.

Re: CreditCheckTotal is a scam...

Anonymous — Wed, 17 Jun 2015 11:58:22 GMT

Relying on / trusting what's stated in the largest print in ads will often lead to much disappointment. The promo blurb in the smaller print is very clear about it being a 7 day trial with $29.95 auto-billing monthly afterwards. CCT is a great value for what it provides.

Ideally, promotional ad text should be all the same size with no fine print to contend with. In some limited contexts and jurisdictions, this is required, but for the most part, in the U.S. and most everywhere else it seems, there's little regulation nor enforcement over print size. Generally, smaller the print, the more important the information it contains. Always read the fine print and never trust ads nor the government doing much about misleading advertising, because often they won't; buyer beware.

Personally, I subscribe to CCT and so far it's operated better than advertised. In addition to the 3 bureau reports with FICO scores up to 3 times per month, Experian report with FICO score updates daily.

Re: CreditCheckTotal is a scam...

takeshi74 — Wed, 17 Jun 2015 12:20:29 GMT

@Anonymous wrote:
CreditCheckTotal is a scam...

You don't seem to understand what the word means. The headline about the trial offer can be misinstrepreted but this is disclosed on the page:

This is disclosed on the page:

IMPORTANT INFORMATION When you order your $1 3-Bureau Credit Report & FICO® Scores, you will begin your 7-day trial membership in CreditCheck® Total. If you don't cancel your membership within the 7-day trial period**, you will be billed $29.95 for each month that you continue your membership. You may cancel your trial membership anytime within the trial period without charge.

Failure to read/understand on your part does not make it a scam on their part.

If you're not reading that info then make sure you're reading the terms and conditions for all of your credit accounts as well as any other terms fo things such as rewards programs, balance transfers, etc.

Never rely soley on banners, ad material, etc. Always make sure you read and understand the terms.

Re: CreditCheckTotal is a scam...

EW800 — Wed, 17 Jun 2015 13:19:51 GMT

@Anonymous wrote:

Personally, I subscribe to CCT and so far it's operated better than advertised. In addition to the 3 bureau reports with FICO scores up to 3 times per month, Experian report with FICO score updates daily.

Can anyone advise if the Experian daily updating only takes place once beyond the seven day trial or you see/saw it during the trial as well? I am on day three of the trial, with the Experian report and score showing "Generated: June 14". I assume this is a limitation of the trial, but just thought I would check.

Re: CreditCheckTotal is a scam...

Anonymous — Wed, 17 Jun 2015 14:02:26 GMT

Updates daily after the 7 day trial is over. That explains why I didn't think EX updated daily when I first signed up, because it doesn't initially. After the trial, it does. Great way to keep abreast of many changes without using a 3 full reports pull, which is limited to 3 times per month.

Re: CreditCheckTotal is a scam...

Callandra — Wed, 17 Jun 2015 19:53:57 GMT

@EW800 wrote:
I am also wondering how that is a scam? They have it plastered all over the place that it is $1 for the first seven days and the $29.xx/month after that if you don't cancel.

What aspect is a scam?

The business I work for also has a recurring transaction. But in order to purchase it, the customer MUST check a box saying that they understand it is a recurring charge and they will be billed every month until they cancel.

Then they call us some months later claiming they didn't know and yell at us that they want everything refunded and that we're a scam. Takes all my energy not to laugh at them.

Re: CreditCheckTotal is a scam...

EW800 — Wed, 17 Jun 2015 21:12:02 GMT

As a side comment to this thread, I will mention that Experian is still offering the $14.97/mo for 24 months of CreditCheck Total. I just called them, stated that I was in the seven day trial, however I thought the $29.95/mo rate was a bit steep. The rep immediately offered the $14.97/mo deal! I think this is a very good deal of for a 3B report 3 times a month, with FICO 8 scores!

Re: CreditCheckTotal is a scam...

Rebuilding69 — Wed, 17 Jun 2015 22:19:04 GMT

@takeshi74 wrote:
@Anonymous wrote:
CreditCheckTotal is a scam...
You don't seem to understand what the word means. The headline about the trial offer can be misinstrepreted but this is disclosed on the page:

This is disclosed on the page:
IMPORTANT INFORMATION When you order your $1 3-Bureau Credit Report & FICO® Scores, you will begin your 7-day trial membership in CreditCheck® Total. If you don't cancel your membership within the 7-day trial period**, you will be billed $29.95 for each month that you continue your membership. You may cancel your trial membership anytime within the trial period without charge.
Failure to read/understand on your part does not make it a scam on their part.

If you're not reading that info then make sure you're reading the terms and conditions for all of your credit accounts as well as any other terms fo things such as rewards programs, balance transfers, etc.

Never rely soley on banners, ad material, etc. Always make sure you read and understand the terms.

That's like your significant other telling you to read the map to know where you're going! That's just silly!

Re: CreditCheckTotal is a scam...

JagerBombs89 — Thu, 18 Jun 2015 05:03:25 GMT

@EW800 wrote:
As a side comment to this thread, I will mention that Experian is still offering the $14.97/mo for 24 months of CreditCheck Total. I just called them, stated that I was in the seven day trial, however I thought the $29.95/mo rate was a bit steep. The rep immediately offered the $14.97/mo deal! I think this is a very good deal of for a 3B report 3 times a month, with FICO 8 scores!

Can you personally verify that? It would seem a good deal if you got FICO for each CB, 3x/month. However, according to CCT FAQ they state:

Which credit bureau report is my FICO® Score based on?
As part of your membership, CreditCheckTotal uses your Experian Credit Report to calculate your FICO® Score powered by Experian. For an additional one-time fee, you can also see your Equifax and TransUnion Credit Reports and applicable FICO® Scores when you order your 3-Bureau Report & FICO® Scores.

Re: CreditCheckTotal is a scam...

Rebuilding69 — Thu, 18 Jun 2015 07:16:09 GMT

@JagerBombs89 wrote:
@EW800 wrote:
As a side comment to this thread, I will mention that Experian is still offering the $14.97/mo for 24 months of CreditCheck Total. I just called them, stated that I was in the seven day trial, however I thought the $29.95/mo rate was a bit steep. The rep immediately offered the $14.97/mo deal! I think this is a very good deal of for a 3B report 3 times a month, with FICO 8 scores!

Can you personally verify that? It would seem a good deal if you got FICO for each CB, 3x/month. However, according to CCT FAQ they state:

Which credit bureau report is my FICO® Score based on?
As part of your membership, CreditCheckTotal uses your Experian Credit Report to calculate your FICO® Score powered by Experian. For an additional one-time fee, you can also see your Equifax and TransUnion Credit Reports and applicable FICO® Scores when you order your 3-Bureau Report & FICO® Scores.

Hmmm, on the front page it states:

More Value:Experian®, Transunion®, and Equifax® Credit Reports & FICO® Scores 3 Times a month with membership.

In the FAQ area, I see:

What’s included in my CreditCheckTotal℠ membership?

As a CreditCheckTotal member, you enjoy the following benefits:

Unlimited access to your Experian® Credit Report as well as three 3 Bureau Reports and 3 FICO scores (every 30 days)
Daily Credit Monitoring and Alerts
Bi-Monthly Score Monitoring and Alerts
Score Simulator
$50,000 Product Guarantee*
ChildSecure®
CardSafe™

*Due to New York state law restrictions, the CreditCheckTotal Guarantee cannot be offered to residents of New York.

I also see the spot you are talking about as well. Not sure about that 1 time fee.

Re: CreditCheckTotal is a scam...

Anonymous — Thu, 18 Jun 2015 17:03:10 GMT

Has anyone made it the full 7 days without calling to cancel?

I signed up on 6/14/15 and supposedly I can update in 3 days

"3 days until you can refresh your 3-Bureau Credit Report with Scores at no additional cost."

I know I have had some activity in the past few days.

My account says my next billing date is the 6/24/15 and that would be 10 days.

I couldn't get a definitive answer out of their customer service.

I'm inclined to cancel and see if i get the discounted rate.

Can't be any worse than the fact that myfico isn't updating my EX or TU for significant changes and has been very slow to update my EQ for the same.

Re: CreditCheckTotal is a scam...

Anonymous — Thu, 18 Jun 2015 17:02:51 GMT

I've been a CCT member since the 3rd without calling in to cancel. The trial is advertised as 7 days, but is actually a little longer, to allow time for bureau monitoring to fully activate, with rebilling occurring on or around day 10. On or around day 7, EX and score will update daily on login. And free 3 bureau reports with scores refresh becomes available. Hope this helps.