topic Re: true credit cancellation in General Credit Topics

true credit cancellation

Anonymous — Wed, 02 Jan 2008 17:42:01 GMT

Based on new info that i read here, I am cancelling my true credit subscription....does anyone know how to do that?

I can't figure it out!! am I stupid?

thanks

Re: true credit cancellation

Anonymous — Wed, 02 Jan 2008 17:46:00 GMT

I believe you have to call them.
And if you're owed money you have to ask for it back or they'll keep it.

Just curious. Why are you cancelling?
They aren't the best but the ability to pull daily is good to keep track of things.

Re: true credit cancellation

Anonymous — Wed, 02 Jan 2008 17:49:15 GMT

HI

I am canceling it bcause I was told on these boards that they are FAKO scores...and therefore not useful bcasue they dont reflect real FICO scores...

ISnt' that true?

Re: true credit cancellation

Anonymous — Wed, 02 Jan 2008 17:50:24 GMT

Oh. Yes that's true. I use it more for the monitoring reasons.

Those scores are useless. My highest FICO is my TU but on Truecredit it's my lowest.

Re: true credit cancellation

Anonymous — Wed, 02 Jan 2008 17:50:44 GMT

I just called an cancelled my true credit 30 days trail before it even started. The lady on the phone was horrible. Not only was she rude I couldn't understand her. I was trying to verify my identity with them and she kept on having an attitude so I just cancelled it all together. Good luck and I hope you dont get the same rep I did.

800-493-2392

Re: true credit cancellation

Anonymous — Wed, 02 Jan 2008 17:51:32 GMT

eddyx..

Ok so if its not accurate, why do you look at it? pay for it? etc..am I missing something?

Re: true credit cancellation

Anonymous — Wed, 02 Jan 2008 17:52:57 GMT

@Anonymous wrote:
I just called an cancelled my true credit 30 days trail before it even started. The lady on the phone was horrible. Not only was she rude I couldn't understand her. I was trying to verify my identity with them and she kept on having an attitude so I just cancelled it all together. Good luck and I hope you dont get the same rep I did.

800-493-2392

That's what Im planning to do......cancel before the trail period is over....if the scores are not accurate, what's the point?

Re: true credit cancellation

Anonymous — Wed, 02 Jan 2008 18:00:12 GMT

To check inquiries, make sure things are reporting right, etc. If I need scores I pull them here though that can get expensive. I try to wait for enough major changes before pulling. I do have Scorewatch though to watch my Equifax...though I hate when it says something changed, you buy a report, and see nothing changed.

Re: true credit cancellation

Anonymous — Wed, 02 Jan 2008 20:20:16 GMT

I use TC all the time to keep track of any changes or deletions. It is EXTREMELY useful when disputing and whatnot to be able to see what's going on. I wait for several changes to occur before paying myfico for scores, just like Eddie. It works great and I pay 11.21 per month because I signed up through Walmart. I plan to keep it for a long time.

Re: true credit cancellation

Anonymous — Wed, 02 Jan 2008 20:30:49 GMT

2007credit wrote:

Ok so if its not accurate, why do you look at it? pay for it? etc..am I missing something?

The scores are not accurate, but the reports are. I use it for the reports and just ignore the scores.

Re: true credit cancellation

Anonymous — Wed, 02 Jan 2008 22:46:46 GMT

Ok hipplychic

I see what you and everyone is saying..I went to Walmart and seached their website for truecredit and found nothing...how did you sign up? in the store? or online?

THanks

Re: true credit cancellation

Anonymous — Wed, 02 Jan 2008 22:57:00 GMT

It's tricky, they don't make it easily available on the website. It's part of their new "Financial Service" venture. Here's the link.

https://www.truecredit.com/?cb=WalMart

Re: true credit cancellation

Anonymous — Wed, 02 Jan 2008 23:21:57 GMT

I signed up through National City, even though I don't have a National City account. For the life of me I can't find the link I used to sign up, they must have it burried also. I haven't received my first bill yet but I the signed up through them because the second account (for my wife) was half price.

krystofur

Re: true credit cancellation

haulingthescoreup — Thu, 03 Jan 2008 00:43:53 GMT

I'm very happy with my TC reports. They have allowed me to do a lot of credit improvement and clean-up. I just chortle at the scores and move on. They're about as useful and interesting as all the ads the have on the site.

Re: true credit cancellation

Anonymous — Thu, 03 Jan 2008 03:10:19 GMT

That's interesting. The True Credit product I use is actually called "Identity Protect for National City Customers and it doesn't have any advertising on it at all. It does have all the FAKO's you want though. Oh yeah, and the bad advice.

krystofur

Re: true credit cancellation

Anonymous — Fri, 09 Oct 2009 18:15:27 GMT

The reports are NOT accurate. Ive been disputing an issue with a credit card company that my card hasnt been updated on True Credit since April. And another card which was never put on my report. My credit scores havent changed in almost a year. When viewing an individual credit report for TransUnion I did find that both cards were on my report and being reported monthly. As soon as I found that, not even worrying about the other agencies, I immmediately began looking for a cancellation number which led me to this site. After reading the horror stories about True Credit and the discrepancies I discovered I found a phone number on this site and called to cancel. Im sure customer service was in another country but had no trouble and wasnt even asked why I wanted to cancel. We shall see if this works. in the mean time Im gonna go into my account and remove the credit card I have on file so they cant try to use it if this cancellation was ignored.

Wish me luck.

Re: true credit cancellation

Anonymous — Tue, 17 Nov 2009 18:31:58 GMT

stay away from true credit. they are horrible. read the blogs to get 2nd opinions. they process your credit card before the free period is up. then when you try to figure out how to cancel the service (before the period ends) there is not place on their website to tell you how to do that. you call the 800 # (hidden on site)

when I spoke to the agent after waiting 6 minutes on hold, she cancelled the account then said the system was updating and I had to wait for another 2 minutes. Then she came back and said the account was cancelled.

2 weeks later I saw a billed for $14.95 on my credit card for the service. I painfully called and went the above AGAIN and they said the account was NEVER closed. I gave them the person's name who helped me and they said they had no record of my calling in to close the account. I was forced to pay the fee again and they said they would close it this time. good LORD. I wrote letters to the company, called Citibank to contest the charge, wrote the authorities, etc..

so stay away from this service. also, note that their FICO scores did not even come close to the ones reported (at the same time) from Experian or Equifax. complete disconnect....

Re: true credit cancellation

laz98 — Thu, 19 Nov 2009 04:15:00 GMT

@Anonymous wrote:
The reports are NOT accurate. Ive been disputing an issue with a credit card company that my card hasnt been updated on True Credit since April. And another card which was never put on my report. My credit scores havent changed in almost a year. When viewing an individual credit report for TransUnion I did find that both cards were on my report and being reported monthly. As soon as I found that, not even worrying about the other agencies, I immmediately began looking for a cancellation number which led me to this site. After reading the horror stories about True Credit and the discrepancies I discovered I found a phone number on this site and called to cancel. Im sure customer service was in another country but had no trouble and wasnt even asked why I wanted to cancel. We shall see if this works. in the mean time Im gonna go into my account and remove the credit card I have on file so they cant try to use it if this cancellation was ignored.

Wish me luck.

did you update your reports? they don't update automatically, you have to do it yourself.

Re: true credit cancellation

ShowCredit — Fri, 20 Nov 2009 00:13:07 GMT

Katep31

What is the 800#. I need to cancel before the trial period ends, but I can't find it on their site.

Re: true credit cancellation

Anonymous — Sat, 21 Nov 2009 11:33:27 GMT

I think they try to make it hard to find, it is: (800) 493-2392. Also to find it on their site, log on then goto help and then contact us.