topic Re: Help on how to use TrueCredit? in General Credit Topics

Help on how to use TrueCredit?

Anonymous — Mon, 23 Jul 2007 16:07:43 GMT

I have what is probably a really basic question, but if I don't ask, I'll just remain in the dark. I just joined up with TrueCredit and "pulled" my scores. I also "pulled" my FICO scores at the same time so as to get a comparison. Now for my problem. I keep reading about people "pulling" their TC scores every day. I'm not sure if I am understanding this correctly. I "look at" my scores everyday, but they don't change. Granted, it hasn't been very long either. I just joined on the 18th of July. Anyway, does "pulling" your TC score just mean going to the page that displays the scores and seeing if they changed or do I have to actually do something else to make the pull? Along that same line, I notice that there is a section called "tracking". Is that something that will update itself automatically when the scores finally do change, or do I somehow need to input the information. I've been looking for more detailed answers on TC but haven't found any. BTW, I haven't seen any alerts either. Do I need to set something to show what type of alerts I get?

Re: Help on how to use TrueCredit?

Anonymous — Mon, 23 Jul 2007 16:14:22 GMT

I have the same question. I have never received an alert with TC .

Re: Help on how to use TrueCredit?

Anonymous — Mon, 23 Jul 2007 16:17:55 GMT

you have to update manually.On the right hand side there is an update report or update score link,click it,click the I agree/confirm and the "no thanks" on the advert.You can update after 24 hrs has expired from your date updated pull.

Re: Help on how to use TrueCredit?

Anonymous — Mon, 23 Jul 2007 16:55:10 GMT

Migraine wrote:
you have to update manually.On the right hand side there is an update report or update score link,click it,click the I agree/confirm and the "no thanks" on the advert.You can update after 24 hrs has expired from your date updated pull.

OH, OK, that seemd to work. No wonder I couldn't figure it out. Once that notice came up that looks like they want to sell you something, I would have bailed. Now when you update like that, that pulls all three of your FAKO scores? Only my TU score updated, and unfortunately it went DOWN 5 points. ARRRRRRGH. I did see that my trending section did update as well. It looks like it went up, whatever that means. So anyway, doing those daily pulls doesn't cost extra, is that correct? I would hate to see my bill after a months worth of doing pulls.

Re: Help on how to use TrueCredit?

Anonymous — Mon, 23 Jul 2007 17:39:29 GMT

Nope, no extra charge to pull once every 24 hours.

KevKaos wrote:

OH, OK, that seemd to work. No wonder I couldn't figure it out. Once that notice came up that looks like they want to sell you something, I would have bailed. Now when you update like that, that pulls all three of your FAKO scores? Only my TU score updated, and unfortunately it went DOWN 5 points. ARRRRRRGH. I did see that my trending section did update as well. It looks like it went up, whatever that means. So anyway, doing those daily pulls doesn't cost extra, is that correct? I would hate to see my bill after a months worth of doing pulls.

Re: Help on how to use TrueCredit?

Anonymous — Mon, 23 Jul 2007 18:04:53 GMT

I have a silly question, will your TU scores be the same as your Fico Score?

Dont most lenders go by your fico score anyway? if so why use the TU scores?

Re: Help on how to use TrueCredit?

Anonymous — Mon, 23 Jul 2007 18:21:22 GMT

No, fico and TU scores are different. Creditors mainly use your FICO scores.

I wouldn't pat a lot of attention to TC fako scores. They are not correct. When I get a alert on Scorewatch on a score increase or a decrease, I don't get that same alert on EQ on the TC website. All my fako scores are about 100 points higher than my actual FICO scores.

True credit is mainly good for checking all three credit reports every day (24 hours). There you can see if and where there are changes to your reports. Balances, when bal. go up, or down and more.

Re: Help on how to use TrueCredit?

Anonymous — Mon, 23 Jul 2007 19:08:35 GMT

I can't get the 3 credit monitoring option from true credit as it keeps giving me

an error on my order "unable to process at this time please try again later"

and charges me 14.95 then reposts to my account.

I am about done with them...

Re: Help on how to use TrueCredit?

Tuscani — Mon, 23 Jul 2007 22:13:30 GMT

Tmleverage wrote:

I can't get the 3 credit monitoring option from true credit as it keeps giving me

an error on my order "unable to process at this time please try again later"

and charges me 14.95 then reposts to my account.

I am about done with them...

You can also get a human for TC issues here 866-212-2170

FYI, if you ever need to dispute something that is inaccurate with TrueCredit, but is accurate on your CRA reports, here's the TC FAX:

TrueCredit Management Dept. FAX 805-596-3373

Re: Help on how to use TrueCredit?

Anonymous — Mon, 23 Jul 2007 22:41:42 GMT

Thanks for the links Tuscani

I have talked to these guys 3 times, 1 time last week, 1 time the week before,

and again today, they say to try again in 24 hours the first time, then they sent

it to there technical support staff last week and today they said to wait a month..

The problem is and I can't get it thru to them is my credit reports show

3 different addresses for TU, EXP, and EQ, I had the same problem here

on myfico but I had to change my address info in the personal part of myfico

to represent each CR then pull the reports, I still do this for updated scores and reports...

I have no way of pulling thiers singularly that way so I have to wait for my disputes

to go thru in order for my addresses to update, the system errors out seing different addresses.

Re: Help on how to use TrueCredit?

Anonymous — Mon, 23 Jul 2007 23:00:52 GMT

cbjn1103 wrote:
No, fico and TU scores are different. Creditors mainly use your FICO scores.

I wouldn't pat a lot of attention to TC fako scores. They are not correct. When I get a alert on Scorewatch on a score increase or a decrease, I don't get that same alert on EQ on the TC website. All my fako scores are about 100 points higher than my actual FICO scores.

True credit is mainly good for checking all three credit reports every day (24 hours). There you can see if and where there are changes to your reports. Balances, when bal. go up, or down and more.

I did a thread back on the 18th called FACO vs FICO where I pulled my TC scores and then actually paid for and pulled my actual FICO scores within an hour and then compared them. In my case, my (FACO as I called it then) FAKO scores were 20 to 40 points LOWER than my FICOs. And to help answer the earlier question, my TU score had the biggest gap. I'm still trying to determine if I want to keep TC or not.

Re: Help on how to use TrueCredit?

Anonymous — Wed, 25 Jul 2007 01:17:57 GMT

OK, another question. I had TC's truelock turned on, but that should not stop my Experian and Equifax scores from updating should it? I ask because there has been some minor slippage in my TU score (like two minor drops) over the past week, but my Experian and Equifax scores have stayed the same. Sorry, I am just being a Nervous Nellie with this new tool and trying to understand everything.

Re: Help on how to use TrueCredit?

Anonymous — Wed, 25 Jul 2007 01:25:16 GMT

http://ficoforums.myfico.com/fico/board/message?board.id=ficoscoring&thread.id=5457

Re: Help on how to use TrueCredit?

future — Wed, 25 Jul 2007 04:39:27 GMT

tyhank you!!!! i also was wondering why i wasnt receiveing any alerts thanks to this post i just learned that you have to update manually, i wish fico was like that.... the good news is my fico went up: tu 571 - 603, ex566 - 647, eq612 - 603 my 2amex hasnt posted, target, or orchard bank next month i will check my ficos again.... also i had a collection on my tc report under trans, once i updated it wasnt there... go figure

Re: Help on how to use TrueCredit?

Anonymous — Wed, 25 Jul 2007 13:22:31 GMT

Noah_Bodie wrote:
http://ficoforums.myfico.com/fico/board/message?board.id=ficoscoring&thread.id=5457

Noah, YOU ROCK. I don't know how you always seem to have an answer ready at a moments notice, but I sure am glad that you do. Thanks AGAIN.

Re: Help on how to use TrueCredit?

Anonymous — Wed, 25 Jul 2007 16:17:23 GMT

To anyone else who may be new to TrueCredit, work your way through the different options so you can look at your transactions. I did, and I found that instead of charging me $11.21 for the first month, they somehow charged me $13.70 even though the receipt clearly says $11.21 monthly fee. I called the customer service folks and they have issued a refund. I asked if the amount I should be paying is in fact $11.21 a month and they said yes so I will be checking once a month to be sure there are no more "mistakes". Now I am getting ready to signup for the Scorewatch so maybe I can be "in the know" at some point. Thanks again for the tips Noah.

Message Edited by KevKaos on 07-25-2007 09:17 AM

Re: Help on how to use TrueCredit?

Anonymous — Wed, 25 Jul 2007 17:14:28 GMT

They charged me correctly, but they charged my DW the $13.70 also. The online receipt actually said $11.21 in one place and $13.70 in another place. Others have reported the same thing. In each case so far, TC has refunded the difference with no problem.

Re: Help on how to use TrueCredit?

Anonymous — Wed, 25 Jul 2007 20:44:23 GMT

Be sure to read this warning about TrueCredit. A couple of fraudulent charges are linked to TC subscriptions.

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&message.id=28481

I'm still using TC, for now. I'm adhering to the theory of friends close and enemies closer.

Re: Help on how to use TrueCredit?

Anonymous — Wed, 25 Jul 2007 22:09:04 GMT

Hey Noah, if you haven't yet checked it, go back to that link and see the posting I put up. i think you will appreciate it. Actually, anyone else who thinks there is no justice out there, that posting may help you change your mind a little bit.

Re: Help on how to use TrueCredit?

Anonymous — Wed, 25 Jul 2007 22:52:56 GMT

It is very much appreciated.