Re: CreditCheckTotal

Anonymous · ‎08-19-2015

I just cancelled the USAA Credit monitoring product that I had for a couple years.

They changed the product - I used to be able to get all 3 reports as often as once per day, but it gave Vantage scores. It cost 24 something a month I think.

The new version is terrible, very hard to read, and I had limited pulls on all 3 bureaus. I did get an Experian report and vantage score every day. They said the price was going to be reduced. Yesterday, it said view my Experian report and score and it brought up a report from January 2013! I though just the title was wrong, but it was actually from 2013, with my mortgage balance what it was then, and accounts from 2013..

I tried to call to cancel about 4 times and was put into a hold queue and I gave up after 10+ minutes. This afternoon, I was home alone and I just put it on speaker phone and let it play the stupid announcement about how they were busy and would asnwer it as soon as possible. It took over 37 minutes to get a CSR and then I said it was a terrible change and I wanted to cancel. He seemed tired of cancellations and just said ok and didnt try to offer anything to retain me. I think they are busy with cancellations.

The new system looks similar to the new Credit Check Total in a couple ways but the way accounts are displayed is terrible and if you try to compare all 3 reports, it doesnt show them side by side, just one after the other. It would show account 1 with data from EX, a separate account 1 with data from TU, and another account 1 from EQ. So if you have 10 accounts, it will show 30 accounts, but you have to open each one to see where it is from.

Anyway, I am keeping my CCT and especially at half price for 5 years. I can get used to a 3 bureau report 3 times a month.

Anonymous · ‎08-20-2015

After using CCT for 1 month, here's my strategy for the 3 pulls on TU and EQ.

When your biling cycle starts, this is your estimated 1st pull. Then another pull every 10 days.

Now keep track of all your possible dates that will affect your score.

1. If your EX score changes, figure out why. Then figure out the date this will affect your TU and EQ scores.

2. Keep track of when inquiries are 3 months old.

3. Keep track of when inquiries are 6 months old.

4. Sometimes your TU and EQ score will change while your EX stays the same. You'll have to guess if that's a possible scenario.

Now go back to the 1st pull. If you already had a pull within the last 10 days and don't expect your TU and EQ scores to change in that time, go ahead and wait up to 15 days or until you expect your TU and EQ scores to change. If you expect big score changes and nothing later in the billing cycle, go ahead and use pulls earlier. Repeat for each billing cycle. Space out your pulls until your 1st pull starts again on your next billing cycle.

Don't waste a pull on 1 inquiry on TU or EQ. If the new card appears suddenly on TU and EQ. That may be worth a pull.

Anonymous · ‎08-20-2015

I just signed up for the Trial...gonna call in in 7 days. I like their website, it's very easy to navigate. 7 days for a report is awesome

Anonymous · ‎08-20-2015

You could call right now if you want and go through the automated system and get half off every month for 5 years.

Anonymous · ‎08-20-2015

@Anonymous wrote:
You could call right now if you want and go through the automated system and get half off every month for 5 years.

+1

I just did this for the DW, called automated system, it offered the 14.95 for 5 years three days after she signed up.

That is better than the 2 years I got offered talking to a rep.

Anonymous · ‎08-20-2015

@Zeno wrote:
does anyone know what day of each month we can start refreshing our scores and report after we use the three refresh pulls?

Tomorrow.

(Not that I'm obsessing over it and checking several times a day.)

lachrymosa · ‎08-20-2015

Just signed up for Credit Check Total for myself just the other day as well. Used the automated system to cancel and got the 5 years at half off offer which I of course took. Am really liking it so far.

However, my husband tried to sign up for the service as well, and had a problem logging in for the first time. He got locked out with a message to contact customer service. He did so, talked to a rep, and the rep somehow switched him to Experian Tracker INSTEAD. So he called back because that's not the product he wanted. They cancelled it, and told him his Credit Check Total account can't be opened because now there's a flag on his social that they can't identify him properly, and he can't EVER use any Experian credit tracking service again! All because of two errors on their part! We are so seriously pissed about this now!

Sorry just had to vent. 😯

You can't take the sky from me...

Starting scores 8/18/15
Experian 590 Transunion 609 Equifax 620