topic Re: Credit check total in General Credit Topics

Credit check total

Anonymous — Tue, 19 Sep 2017 16:29:18 GMT

What's up with CCT was trying to cancel the trial and was on hold for over hour and half till I gave up
Anyone experienced it ?

Re: Credit check total

Anonymous — Tue, 19 Sep 2017 16:39:10 GMT

I've never experienced exactly what you have described, but I and others have had some issues cancelling over the phone. What I recommend for everyone is that you email help at creditchecktotal dot com and cancel that way. Just let them know you've tried cancelling over the phone without success and that your email is you officially cancelling your trial membership. Just provide them in the email with the same information you provide when cancelling over the phone... your name, last 4 of social, zip code and DOB. I usually get an email back within 24 hours confirming my cancellation.

Re: Credit check total

Anonymous — Tue, 19 Sep 2017 16:53:14 GMT

It's the mess with the EQ data breach. I was on hold for an hour to cancel CCT last week.

Re: Credit check total

CreditInspired — Tue, 19 Sep 2017 17:34:49 GMT

Yep I had it happen last week and sent 3 emails informing them that I couldn't get through to cancel and to please send me a confirmation that it had been cancelled. Didn't get a response. So, in my 3rd email, I stated that if it wasn't canceled, I would dispute any charges to my CC. Of course, my CC had a pending charge, but the same day, I got an email from them notifying me that the charge would be reversed and it was done so in 2 days.

Re: Credit check total

Anonymous — Tue, 19 Sep 2017 18:18:41 GMT

@Anonymous wrote:
It's the mess with the EQ data breach. I was on hold for an hour to cancel CCT last week.

I wonder why the EQ data breach is causing Credit Check Total (owned by Experian) huge delays in cancelling their CCT service? Do we think that Experian employees are just working crazy to address all the data freezes being requested, and thus that creates delays with the CCT group? I can believe it, just curious what you all think.

It sounds like using emails is the way to go, and also probably starting the cancellation process at least a few days early, given all the recent craziness.

Re: Credit check total

Anonymous — Tue, 19 Sep 2017 22:13:07 GMT

IMO, it's a best practice to cancel your $1 trial membership the same day or at the very most the day after you sign up. This gives you a 6-7 day window for them to process your cancellation. The sooner you cancel, the better you chances of not having to worry about a surprise charge on your CC.

Re: Credit check total

Anonymous — Tue, 19 Sep 2017 18:44:45 GMT

@Anonymous wrote:
@Anonymous wrote:
It's the mess with the EQ data breach. I was on hold for an hour to cancel CCT last week.
I wonder why the EQ data breach is causing Credit Check Total (owned by Experian) huge delays in cancelling their CCT service? Do we think that Experian employees are just working crazy to address all the data freezes being requested, and thus that creates delays with the CCT group? I can believe it, just curious what you all think.

It sounds like using emails is the way to go, and also probably starting the cancellation process at least a few days early, given all the recent craziness.

I wondered the same thing.

My other theory is that maybe they had an office affected by the hurricane.

Re: Credit check total

601flyguy — Tue, 19 Sep 2017 21:14:30 GMT

I've been experiencing the same for months... I pay with a prepaid so no worries

Re: Credit check total

Ardecko — Thu, 21 Sep 2017 22:47:51 GMT

I clicked the trial offer a few minutes ago and tried to sign back up(account originally created on 09/09). I am pretty sure I've paid the $1 twice now, but I still can't see new scores/reports.

Is broken?

Re: Credit check total

jesseh — Sat, 23 Sep 2017 21:02:17 GMT

The call centers are flooded because of the EQ breach, a lot of people wanting to freeze their file.

I was able to get a rep within a few minutes by calling at 8.31am eastern, that's the time the line opens on weekdays (even though the tape says 9)

Re: Credit check total

Ardecko — Sat, 23 Sep 2017 21:24:52 GMT

y phone says I was on the call with them for 93 mins this morning. The rep said EQ rejected my request. I find this sort of strange since the next day I logged into my Experian IdentityWorks account and paid the $29.99 for the 3 scores report. (I figure EQ burped.)

Oh well, in any case, he says my account is inactive and should not bill me again. I'm in the garden at least until January, so the creditscorecard EX score will tide me over until then.

Re: Credit check total

CreditInspired — Sat, 23 Sep 2017 23:52:06 GMT

It's absolutely ridiculous what is happening! If they are so overwhelmed because of the EQ breach -- why not just reactivate the automated cancellation line. It was a simple process and took less than a minute to cancel the 7-day trial.

I honestly believe that this is just a ploy to get away with charging the $29.99 fee. So, I won't be signing up again for the 7-day trial again until they start answering their phones.

Re: Credit check total

Anonymous — Sun, 24 Sep 2017 03:53:26 GMT

@CreditInspired wrote:
It's absolutely ridiculous what is happening! If they are so overwhelmed because of the EQ breach -- why not just reactivate the automated cancellation line. It was a simple process and took less than a minute to cancel the 7-day trial.

I honestly believe that this is just a ploy to get away with charging the $29.99 fee. So, I won't be signing up again for the 7-day trial again until they start answering their phones.

Why not just cancel via email which is the easiest way of all and save yourself the stress and anxiety?

Re: Credit check total

Ardecko — Sun, 24 Sep 2017 03:59:15 GMT

Just as a data point, I sent an email to help@ on Thursday after I realized it wasn't working. I have yet to receive a response.

Re: Credit check total

Anonymous — Sun, 24 Sep 2017 04:08:18 GMT

@Ardecko wrote:
Just as a data point, I sent an email to help@ on Thursday after I realized it wasn't working. I have yet to receive a response.

Did you receive an automated cancellation email? Usually when I cancel via email I receive 2 things. One, a written response back from a rep stating that they received my email and have processed the cancellation. Two, I get an automated cancellation email, basically a "we hate to see you go" type thing.

On Monday if you haven't received a reply yet, I'd go into your sent folder and forward your original email to them again and simply write "I'm forwarding you the email I sent back on _______, as I didn't receive a response. Please reply as soon as possible to confirm my trial membership cancellation."

Re: Credit check total

FitNutrix — Mon, 25 Sep 2017 20:59:29 GMT

I just got off the phone with Credit Check Total AKA CCT to cancel my seven-day free trial.
- Sent email three days ago to support no response
- Called Total time on Hold 1hr 32min finally got somebody and canceled.

Update on CCT:
- Rep stated they are no longer offering cancellation discounts so no more 50% discount for one year on membership
- Rep instead signed me up for FREE EX monitoring, and I can also use the EX iOS App
- Rep stated they're offering Experian Credit Works Premium which monitors all three CRA for $24.99/month
- CreditWorks Premium seems to be much better than FICO Ultimate 3B but would love to hear from people in the myFICO forums on differences

Re: Credit check total

Anonymous — Mon, 25 Sep 2017 23:08:43 GMT

I called not long ago to cancel the women on the other end was a doll she really worked hard on getting me not only canceled but also set me up with Experian basic monitoring service that was free so far I'm very happy if CCT offers a 50% deal again I may jump on board.

Re: Credit check total

Credit_hawk — Mon, 25 Sep 2017 23:37:34 GMT

Guys I was just about to make my own post about this as a warning. I’ve currently been on hold for 55 minutes and counting to cancel or get my promo reinstated. What I don’t understand is CCT and their parent company Experian is not Equifax so what’s the issue? Secondly, they have a menu when you call which diverts all calls regarding Equifax to a different department. So I’m extra confounded why the cancel line is tied up with this.

Lastly, I find it interesting the OP posted about this 1 week ago and nothing has changed in terms of this hold up.

Re: Credit check total

Anonymous — Tue, 26 Sep 2017 01:52:25 GMT

91 minutes for me this evening!!

Re: Credit check total

Credit_hawk — Tue, 26 Sep 2017 03:37:35 GMT

@Anonymous wrote:
91 minutes for me this evening!!

I hung up at exactly 90 minutes. Now the thought that one minute more would have produced results is killing me.

So they won’t extend the 50% off anymore? I just am coming off a year. I guess I’ll just cancel it if that’s the case.