topic Re: CreditCheckTotal 50% Offer in General Credit Topics

CreditCheckTotal 50% Offer

Anonymous — Tue, 20 Dec 2016 17:07:14 GMT

I learned from these forums that if you call in to cancel your CCT membership they will offer you 50% for 12 months. Well, I called in today to cancel my membership and got the offer and I accepted it. After accepting the offer it said "You can now enjoy CreditCheckTotal at 50% off for 5 years". I called back to talk to a customer service rep and he confirmed that my account is setup for 50% off for 5 years.

So for anyone who is looking to take advantage of CCT, I thought I would pass this along. That's a heck of a discount and I'm sure other people would enjoy taking advantage of it too.

Re: CreditCheckTotal 50% Offer

Anonymous — Tue, 20 Dec 2016 18:24:04 GMT

@Anonymous wrote:
I learned from these forums that if you call in to cancel your CCT membership they will offer you 50% for 12 months. Well, I called in today to cancel my membership and got the offer and I accepted it. After accepting the offer it said "You can now enjoy CreditCheckTotal at 50% off for 5 years". I called back to talk to a customer service rep and he confirmed that my account is setup for 50% off for 5 years.

So for anyone who is looking to take advantage of CCT, I thought I would pass this along. That's a heck of a discount and I'm sure other people would enjoy taking advantage of it too.

Yeah I really enjoy CCT and did the very same thing a while back. I got the same deal as what you have. You can't beat it for the price ;-)

Re: CreditCheckTotal 50% Offer

Anonymous — Wed, 21 Dec 2016 02:56:30 GMT

I personally recommend the $2/mo plan with CCT... which is basically two $1 trials 2 weeks apart. This way you get your scores/reports 4X/mo, or essentially once a week for $2/mo.

That, IMO, is a deal that can't be beat.

Re: CreditCheckTotal 50% Offer

Anonymous — Wed, 21 Dec 2016 14:04:58 GMT

With the $2 option, do we have to ask for it or is it automatically offered? This is a great deal and I will be calling them shortly

Re: CreditCheckTotal 50% Offer

Anonymous — Wed, 21 Dec 2016 14:50:14 GMT

It's just trial memberships. They are $1. You start a trial, cancel it 7 days later. 7 days after that you start another trial, cancel it 7 days later. 2 trials per month, say on the 1st and 15th of every month and you'd cancel on the 8th and 22nd of every month (for example).

This technique only costs you $2/mo and you'll get your 3B scores and 3B reports 4X per month. You also aren't locked into any contract and can opt to not start a new trial any time you want. I'd also like to add that the cancellations can be done via their automated system or email, so there's never a need to speak to a human being (that you can barely understand, BTW).

Re: CreditCheckTotal 50% Offer

Anonymous — Wed, 21 Dec 2016 15:08:32 GMT

Im currently subscribed, I will try and call them now and see if they can offer me the 50% off, if not, I will do that, its a great idea but I love to monitor daily though

Re: CreditCheckTotal 50% Offer

Anonymous — Wed, 21 Dec 2016 17:27:09 GMT

I hear you. Daily monitoring to me is overkill. It's like someone that is trying to lose weight weighing themselves every day rather than once a week. That's how I see it anyway. I do use wallethub which gives daily TU updates. I don't sign in every day unless I'm expecting a change, but that tool is available to supplement the CCT trials. Of course you can get weekly updates via CK as well. For me, all of that is plenty.

Re: CreditCheckTotal 50% Offer

oogy — Wed, 21 Dec 2016 20:19:20 GMT

@Anonymous wrote:
It's just trial memberships. They are $1. You start a trial, cancel it 7 days later. 7 days after that you start another trial, cancel it 7 days later. 2 trials per month, say on the 1st and 15th of every month and you'd cancel on the 8th and 22nd of every month (for example).

This technique only costs you $2/mo and you'll get your 3B scores and 3B reports 4X per month. You also aren't locked into any contract and can opt to not start a new trial any time you want. I'd also like to add that the cancellations can be done via their automated system or email, so there's never a need to speak to a human being (that you can barely understand, BTW).

So you're able to get your reports and scores at the beginning and end of each 7 day trial? Looking at their homepage, I'm unclear on how frequently you can actually pull a fresh report...

I did see this though at the bottom of the page:

**Monitoring with Experian begins within 48 hours of enrollment in your trial. Monitoring with Equifax and TransUnion takes approximately 4 days to begin, though in some cases cannot be initiated during your trial period. You may cancel your trial membership any time within 9 days of enrollment without charge.

So the 7 day trial seems to have a 2 day grace period.

Re: CreditCheckTotal 50% Offer

Anonymous — Wed, 21 Dec 2016 21:31:29 GMT

CCT has gotten to where they offer me the trial ASAP after i cancel with another trial membership. I sign up for the $1 trial. Cancel after 9-10 days before being billed. Sign in the next day and i get the same trial offer again. Im sure this varies with each customer. But it's been this way for me for the past couple months.

Re: CreditCheckTotal 50% Offer

Anonymous — Wed, 21 Dec 2016 22:21:45 GMT

@oogy wrote:
So you're able to get your reports and scores at the beginning and end of each 7 day trial? Looking at their homepage, I'm unclear on how frequently you can actually pull a fresh report...

Correct. You get two 3B pulls (and scores) with one trial. The first is obviously the day you sign up and pay the dollar, the second can be anywhere from Day 8 to Day 10. You can cancel your trial any time from Day 1 to Day 8 (perhaps 2 grace days as you stated, although I have not tried this) and even after cancelling can pull your 3B report/scores a second time anywhere between Day 8 and Day 10. If you're looking for weekly pulls, you'd pull the second score on Day 8, but if you're looking for only 3 updates per month I suppose you could pull your scores on the 1st and 11th with your first trial, then take out a second trial on the 21st and use the second pull from that trial the first week of the following month.

Re: CreditCheckTotal 50% Offer

Anonymous — Wed, 21 Dec 2016 22:26:01 GMT

@Anonymous wrote:
CCT has gotten to where they offer me the trial ASAP after i cancel with another trial membership. I sign up for the $1 trial. Cancel after 9-10 days before being billed. Sign in the next day and i get the same trial offer again. Im sure this varies with each customer. But it's been this way for me for the past couple months.

I've experienced the same thing with them always offering me another trial. I suppose the hope that eventually someone will cave and sign up for a "real" membership. Not I, as I think the dual trials per month are the best deal out there.

Two other very useful pieces of information that I will add as benefits of trial memberships that don't get talked about much. CCT keeps all of your previous pulls archived. I have like 20 of them going back to April or so and you can click on any of those previous pulls to see what was going on with your credit report at that time. I find this to be extremely useful. Second, even after you cancel a trial membership with CCT you can still long into your account forever near as I can tell. I think the longest I've gone is maybe 2 months without doing a trial, but during those 2 months I logged in plenty of times to the account to access old 3B pulls.

Re: CreditCheckTotal 50% Offer

oogy — Wed, 21 Dec 2016 22:36:38 GMT

@Anonymous wrote:
I've experienced the same thing with them always offering me another trial. I suppose the hope that eventually someone will cave and sign up for a "real" membership. Not I, as I think the dual trials per month are the best deal out there.

Two other very useful pieces of information that I will add as benefits of trial memberships that don't get talked about much. CCT keeps all of your previous pulls archived. I have like 20 of them going back to April or so and you can click on any of those previous pulls to see what was going on with your credit report at that time. I find this to be extremely useful. Second, even after you cancel a trial membership with CCT you can still long into your account forever near as I can tell. I think the longest I've gone is maybe 2 months without doing a trial, but during those 2 months I logged in plenty of times to the account to access old 3B pulls.

Wow... One of my only hesitations with signing up and cancelling was that I figured it would lose historical data (I was planning to overcome that by just downloading PDFs, but to have it archived in the system is great!)...

I'm sold

Re: CreditCheckTotal 50% Offer

Anonymous — Thu, 22 Dec 2016 02:15:48 GMT

You really can't go wrong. And if for some reason you don't like what you get with the trial memberships you can just pull the plug and pursue another avenue. I'm confident you'll be happy with the product though, especially for the price.

Re: CreditCheckTotal 50% Offer

Revelate — Thu, 22 Dec 2016 02:25:48 GMT

@Anonymous wrote:
@Anonymous wrote:
CCT has gotten to where they offer me the trial ASAP after i cancel with another trial membership. I sign up for the $1 trial. Cancel after 9-10 days before being billed. Sign in the next day and i get the same trial offer again. Im sure this varies with each customer. But it's been this way for me for the past couple months.
I've experienced the same thing with them always offering me another trial. I suppose the hope that eventually someone will cave and sign up for a "real" membership. Not I, as I think the dual trials per month are the best deal out there.

Two other very useful pieces of information that I will add as benefits of trial memberships that don't get talked about much. CCT keeps all of your previous pulls archived. I have like 20 of them going back to April or so and you can click on any of those previous pulls to see what was going on with your credit report at that time. I find this to be extremely useful. Second, even after you cancel a trial membership with CCT you can still long into your account forever near as I can tell. I think the longest I've gone is maybe 2 months without doing a trial, but during those 2 months I logged in plenty of times to the account to access old 3B pulls.

It's still just FICO 8 yes?

Re: CreditCheckTotal 50% Offer

oogy — Thu, 22 Dec 2016 02:33:59 GMT

@Revelate wrote:
@Anonymous wrote:
@Anonymous wrote:
CCT has gotten to where they offer me the trial ASAP after i cancel with another trial membership. I sign up for the $1 trial. Cancel after 9-10 days before being billed. Sign in the next day and i get the same trial offer again. Im sure this varies with each customer. But it's been this way for me for the past couple months.
I've experienced the same thing with them always offering me another trial. I suppose the hope that eventually someone will cave and sign up for a "real" membership. Not I, as I think the dual trials per month are the best deal out there.

Two other very useful pieces of information that I will add as benefits of trial memberships that don't get talked about much. CCT keeps all of your previous pulls archived. I have like 20 of them going back to April or so and you can click on any of those previous pulls to see what was going on with your credit report at that time. I find this to be extremely useful. Second, even after you cancel a trial membership with CCT you can still long into your account forever near as I can tell. I think the longest I've gone is maybe 2 months without doing a trial, but during those 2 months I logged in plenty of times to the account to access old 3B pulls.
It's still just FICO 8 yes?

Yeah, as far as I can see it's just FICO 8 (great for me right now - that's all I really need).

If I wasn't sold before, I'm definitely sold after seeing a 24 point higher EX Lol... really has little to do with the specific service and just that they pulled fresher data showing a new credit line. The other two scores are identical between CCT and myFICO

Don't think I'm going to keep myFICO after this first month. May still use in the future if I ever need to see scores other than FICO 8

Re: CreditCheckTotal 50% Offer

Revelate — Thu, 22 Dec 2016 05:37:09 GMT

@oogy wrote:
@Revelate wrote:
@Anonymous wrote:
@Anonymous wrote:
CCT has gotten to where they offer me the trial ASAP after i cancel with another trial membership. I sign up for the $1 trial. Cancel after 9-10 days before being billed. Sign in the next day and i get the same trial offer again. Im sure this varies with each customer. But it's been this way for me for the past couple months.
I've experienced the same thing with them always offering me another trial. I suppose the hope that eventually someone will cave and sign up for a "real" membership. Not I, as I think the dual trials per month are the best deal out there.

Two other very useful pieces of information that I will add as benefits of trial memberships that don't get talked about much. CCT keeps all of your previous pulls archived. I have like 20 of them going back to April or so and you can click on any of those previous pulls to see what was going on with your credit report at that time. I find this to be extremely useful. Second, even after you cancel a trial membership with CCT you can still long into your account forever near as I can tell. I think the longest I've gone is maybe 2 months without doing a trial, but during those 2 months I logged in plenty of times to the account to access old 3B pulls.
It's still just FICO 8 yes?

Yeah, as far as I can see it's just FICO 8 (great for me right now - that's all I really need).

If I wasn't sold before, I'm definitely sold after seeing a 24 point higher EX Lol... really has little to do with the specific service and just that they pulled fresher data showing a new credit line. The other two scores are identical between CCT and myFICO

Don't think I'm going to keep myFICO after this first month. May still use in the future if I ever need to see scores other than FICO 8

Nod, it's cheaper to spend the $60 when you need it than $30/month or whatever if you aren't worried about the non-FICO 8 Classic scores.

Re: CreditCheckTotal 50% Offer

Anonymous — Thu, 22 Dec 2016 08:01:55 GMT

@Anonymous wrote:
I'd also like to add that the cancellations can be done via their automated system or email, so there's never a need to speak to a human being (that you can barely understand, BTW).

Could you elaborate on this? The biggest barrier to my doing this is the fact that DW has nearly-crippling social anxiety and could not be coaxed onto the phone to cancel something 2x a month, lol just getting her to call and get the 50% deal was a monumental accomplishment

Re: CreditCheckTotal 50% Offer

oogy — Thu, 22 Dec 2016 08:12:00 GMT

@Anonymous wrote:
@Anonymous wrote:
I'd also like to add that the cancellations can be done via their automated system or email, so there's never a need to speak to a human being (that you can barely understand, BTW).
Could you elaborate on this? The biggest barrier to my doing this is the fact that DW has nearly-crippling social anxiety and could not be coaxed onto the phone to cancel something 2x a month, lol just getting her to call and get the 50% deal was a monumental accomplishment

I'm the same way... I HATE talking on the phone. People like me are why free trials exist...

I just signed up today, so can't speak to the actual cancelation experience, but being able to cancel easily will go along way toward helping me stay motivated to use this to track my reports in the coming months.

Re: CreditCheckTotal 50% Offer

Anonymous — Thu, 22 Dec 2016 11:40:51 GMT

I called yesterday and requested to cancel the service, they asked why and I explained it was expensive, she offered me 50% off for the next 12 months and I agreed. I think this is a really good service and well worth it.

Re: CreditCheckTotal 50% Offer

Anonymous — Thu, 22 Dec 2016 12:06:56 GMT

You don't need to physically speak to anyone to cancel. You can call up and cancel through their automated system. I think it's option 3 then option 1 but can't be certain without actually doing it. If it's an oddball time like the middle of the night and "out of business hours" you can send them an email to their contact email on the site and cancel that way as well. They will send you a confirmation email either way you use confirming your cancellation.