topic Re: CCT membership in General Credit Topics

CCT membership

Anonymous — Thu, 09 Jun 2016 12:56:09 GMT

My free trial is almost up and I'm trying to decide whether or not to keep it. Do they show you updated reports and scores for all 3 bureaus or just Experian? I already have an Experian credit tracker membership that I got discounted for 12 months but it only shows me my Experian report and score.

Re: CCT membership

Anonymous — Thu, 09 Jun 2016 13:08:50 GMT

Every 30 days they give you all 3 FICO 8's and reports as part of your membership.

Re: CCT membership

AutoBot — Thu, 09 Jun 2016 13:19:23 GMT

I called to cancel my CCT membership and like everyone else get the option to keep it with a 50% discount for 5 years. For what it's worth.

Re: CCT membership

RonM21 — Thu, 09 Jun 2016 14:10:20 GMT

As mentioned they do update Experian everyday and once a month TU and EQ. All Fico scores also. They will give you a price, usually around 14 /15 bucks when you call to cancel during trial.

Re: CCT membership

Anonymous — Thu, 09 Jun 2016 14:15:49 GMT

Sweet!!! I'll do that and cancel my credit tracker membership. Thanks for the tip!!!

Re: CCT membership

EW800 — Thu, 09 Jun 2016 14:30:26 GMT

@AutoBot wrote:
I called to cancel my CCT membership and like everyone else get the option to keep it with a 50% discount for 5 years. For what it's worth.

Congratulations!

Re: CCT membership

Anonymous — Sat, 11 Jun 2016 16:00:17 GMT

@RM21 wrote:
As mentioned they do update Experian everyday and once a month TU and EQ. All Fico scores also. They will give you a price, usually around 14 /15 bucks when you call to cancel during trial.

I just called to cancel my CCT membership and she offered me 14.97 until next June. I did cancel my Experian credit tracker membership because, well....I dont need 2 Experian memberships

Re: CCT membership

Anonymous — Sun, 12 Jun 2016 03:19:03 GMT

So let me get this straight... if you have a membership for $15 or $30 per month, you only get all of your reports updated once per month?

But with two $1 trials, you can get them 4 times per month (1 time per week on average)? I don't know about you guys, but I'm not at all seeing the value in having the membership when with 2 trials you get your 3B reports several more times?

Re: CCT membership

JagerBombs89 — Sun, 12 Jun 2016 07:10:36 GMT

@Anonymous wrote:
So let me get this straight... if you have a membership for $15 or $30 per month, you only get all of your reports updated once per month?

But with two $1 trials, you can get them 4 times per month (1 time per week on average)? I don't know about you guys, but I'm not at all seeing the value in having the membership when with 2 trials you get your 3B reports several more times?

I am with you on this one. It is easier for me to just cancel and re-sign up for $1 once or twice a month than pay $15/month. You get a 3B report upon signing up and another 7 days later - all for $1!

Re: CCT membership

Anonymous — Sun, 12 Jun 2016 13:20:26 GMT

Here is a link to a continuing thread about CCT and the offer to give you a huge discount when you go to cancel.

http://ficoforums.myfico.com/t5/General-Credit-Topics/CreditCheckTotal/m-p/4070326#M210359

Re: CCT membership

Anonymous — Mon, 13 Jun 2016 00:17:10 GMT

Yes, they offer you a 50% discount when you try to cancel. However, that 50% discount is still a price 7.5 - 15X the price of 1-2 trials per month for seemingly less data. Again, unless thre's something I'm missing that you get from a monthly membership over a trial membership?

Re: CCT membership

Anonymous — Mon, 13 Jun 2016 18:06:28 GMT

I don't think you can just keep getting free trials though. The system has to recognize your name or card number, social security number....something.

This is how I look at it. If you ordered all 3 reports every month, that would be $35-40/mo. This way you get a daily updates report and score for Experian, and a new report and score for Equifax and TU monthly for 15$, and you don't have to jack with starting and stopping a new trial every week. That would become a pain I think.

Re: CCT membership

Anonymous — Mon, 13 Jun 2016 18:20:31 GMT

You shoulf choose the option of using the automated cancellation process. You get the discount for 5 years instead of 1.

Re: CCT membership

Anonymous — Tue, 14 Jun 2016 01:06:49 GMT

@Anonymous wrote:
I don't think you can just keep getting free trials though. The system has to recognize your name or card number, social security number....something.

This is how I look at it. If you ordered all 3 reports every month, that would be $35-40/mo. This way you get a daily updates report and score for Experian, and a new report and score for Equifax and TU monthly for 15$, and you don't have to jack with starting and stopping a new trial every week. That would become a pain I think.

I can assure you that you can keep getting free trials. I've done it many times without incident. It can be considered a pain I guess depending on your definition... but for me, it's not a big deal... about 3 minutes to sign up and 3 minutes to cancel.

Re: CCT membership

JagerBombs89 — Tue, 14 Jun 2016 22:42:08 GMT

@Anonymous wrote:
@Anonymous wrote:
I don't think you can just keep getting free trials though. The system has to recognize your name or card number, social security number....something.

This is how I look at it. If you ordered all 3 reports every month, that would be $35-40/mo. This way you get a daily updates report and score for Experian, and a new report and score for Equifax and TU monthly for 15$, and you don't have to jack with starting and stopping a new trial every week. That would become a pain I think.
I can assure you that you can keep getting free trials. I've done it many times without incident. It can be considered a pain I guess depending on your definition... but for me, it's not a big deal... about 3 minutes to sign up and 3 minutes to cancel.

Everytime I login to CCT, they offer me another $1 trial for 7 days. I have utilize it a bunch of times

Re: CCT membership

Anonymous — Tue, 14 Jun 2016 23:51:20 GMT

Yes sir... standard protocol!

Re: CCT membership

Anonymous — Wed, 15 Jun 2016 05:34:57 GMT

I would run out of new usernames.

Re: CCT membership

JagerBombs89 — Wed, 15 Jun 2016 11:08:56 GMT

@Anonymous wrote:
I would run out of new usernames.

New usernames? I have only had ONE username the entire time I've been with CCT.

Re: CCT membership

Anonymous — Wed, 15 Jun 2016 12:02:48 GMT

@Anonymous wrote:
I would run out of new usernames.

I suggest using the same username and just putting a 1, 2, 3 etc. at the end of it. This way, also, you'll know how many trials you've done by the number at the end of your username.

Re: CCT membership

Anonymous — Wed, 15 Jun 2016 12:56:54 GMT

I only said that because I've been denied free trials before because the system, Amazon for example, recognized that I've already gotten a free trial. Last December, a few weeks before Christmas, I tried to sign up for a free trial for prime and it automatically charged my debit card $100 because I had done their trial before. I thought every company was that way but I stand corrected. Thanks for the info 😁