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CreditCheckTotal is a scam...

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Anonymous
Not applicable

CreditCheckTotal is a scam...

I subscribed to their service today because of the big banner "3 Credit Reports and FICO scores 3 times a month for $1" come to find out, it's $1 for 7 days and $29.95 automatically billed to you after the trial every month. I cancelled for false advertising
Message 1 of 19
18 REPLIES 18
Pway
Valued Contributor

Re: CreditCheckTotal is a scam...

How is it a scam?  When you visit the site it has important informaiton at the top of the page.

Thank you for the wealth of knowledge I have learned from these forums. I am logging off as of November 9, 2022. I wish everyone great success.
Message 2 of 19
Anonymous
Not applicable

Re: CreditCheckTotal is a scam...

How is that a scam? It's clearly stated, as with all free trials, that you will automatically be billed each month after your free trial..

If you cancel within those seven days you will not be billed.

Message 3 of 19
EW800
Valued Contributor

Re: CreditCheckTotal is a scam...

I am also wondering how that is a scam?  They have it plastered all over the place that it is $1 for the first seven days and the $29.xx/month after that if you don't cancel.  

 

What aspect is a scam?

 

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
Sept 2024: EX8: 847; EQ8: 850; TU8: 848 -- Middle Mortgage Score: 821
In My Wallet: Discover $73.7K; Cap1 Venture $51.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $24.5K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $22K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $300K+
My UTIL: Less than 1% - Only allow about $20 a month to report, on one account. .
Message 4 of 19
Anonymous
Not applicable

Re: CreditCheckTotal is a scam...

Scam or maybe we can't read english? Seems pretty clear to me. Did they chuckle when you called to cancel and your reasons?

 

cct-scam lol.jpg

Message 5 of 19
Anonymous
Not applicable

Re: CreditCheckTotal is a scam...

...my issue with CreditCheckTotal is I almost feel I'm in the Garden because I keep wanting to hit the updated credit scores. My goal is to check the 3 every 10 days. So far it's only been 5 days! It's like trying to say NO to new cc apps.

Message 6 of 19
Revelate
Moderator Emeritus

Re: CreditCheckTotal is a scam...


@Vulcan1600 wrote:

...my issue with CreditCheckTotal is I almost feel I'm in the Garden because I keep wanting to hit the updated credit scores. My goal is to check the 3 every 10 days. So far it's only been 5 days! It's like trying to say NO to new cc apps.


LOL - literally!  Thank you Vulcan!




        
Message 7 of 19
ceejx
Established Contributor

Re: CreditCheckTotal is a scam...

It's not a scam, but it is purposefully bad phrasing of the main slogan on their site "Get Your 3 Credit Reports & FICO® Scores* 3 times a month for $1!" ... But they do have "Important Information" posted on the top to CYA that they mean $1 for 7 days then $29.95/mo. Always know the terms before you enter into any contract, and if it sounds too good to be true, then it likely is too good to be true.

 

EDIT 1: I'm assuming they provide Experian FAKO not actual FICO? If it's really FICO then I might sign up.

 

EDIT 2: Nevermind, it really is FICO: *Credit score calculated based on FICO Score 8 model. Your lender or insurer may use a different FICO Score than FICO Score 8, or another type of credit score altogether.

Message 8 of 19
Anonymous
Not applicable

Re: CreditCheckTotal is a scam...

Relying on / trusting what's stated in the largest print in ads will often lead to much disappointment. The promo blurb in the smaller print is very clear about it being a 7 day trial with $29.95 auto-billing monthly afterwards. CCT is a great value for what it provides.

 

Ideally, promotional ad text should be all the same size with no fine print to contend with. In some limited contexts and jurisdictions, this is required, but for the most part, in the U.S. and most everywhere else it seems, there's little regulation nor enforcement over print size. Generally, smaller the print, the more important the information it contains. Always read the fine print and never trust ads nor the government doing much about misleading advertising, because often they won't; buyer beware.

 

Personally, I subscribe to CCT and so far it's operated better than advertised. In addition to the 3 bureau reports with FICO scores up to 3 times per month, Experian report with FICO score updates daily.

Message 9 of 19
takeshi74
Senior Contributor

Re: CreditCheckTotal is a scam...


@Anonymous wrote:
CreditCheckTotal is a scam...

You don't seem to understand what the word means.  The headline about the trial offer can be misinstrepreted but this is disclosed on the page:

 

This is disclosed on the page:

IMPORTANT INFORMATION When you order your $1 3-Bureau Credit Report & FICO® Scores, you will begin your 7-day trial membership in CreditCheck® Total. If you don't cancel your membership within the 7-day trial period**, you will be billed $29.95 for each month that you continue your membership. You may cancel your trial membership anytime within the trial period without charge.

Failure to read/understand on your part does not make it a scam on their part.

 

If you're not reading that info then make sure you're reading the terms and conditions for all of your credit accounts as well as any other terms fo things such as rewards programs, balance transfers, etc.

 

Never rely soley on banners, ad material, etc.  Always make sure you read and understand the terms.

Message 10 of 19
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.