CreditCheckTotal

[Anonymous]

Experian has a product called Credit Tracker that offers daily Experian pulls and a daily Experian FICO, but without the TU/EQ scores or reports. They will offer it for 9.99/m if you call in and ask for a discount.

So that is exactly like CCT but $5 cheaper and without the other two bureaus.

The question is then whether the extra $60/year is worth the difference. I thought so when it was three pulls a month. I am in the fence at one. I could save up the $60 and buy 3b from myfico when I needed it, and get the auto and home loan versions of FICO too.

[Anonymous]

^ great point canadian. Everyone's gonna have their own preference, technically it could be even more laser focused, as each bureau has the one-time pull for I believe 15 with a promotion code, when you'd want it. So technically 4x a year you could find out all of the scores. For those mortgage shipping this is an easy choice. For others, who knows.


Also the price isn't changing. It has always showed 29.95 and charged you the correct amount, for whatever reason it shows the full rate but will always charge you the lower rate. Price isn't and won't change(until further notice)

[Anonymous]

It's basically turned into to Credit Tracker for EX. Not worth it. Called twice to verify score updates, first one said yes, second one said no. I'll keep MF. At least they'll update the scores as they change AND provide the reason for it! Canceled both mine and my DH's CCT accounts!!

[Anonymous]

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@Anonymous wrote:
^ great point canadian. Everyone's gonna have their own preference, technically it could be even more laser focused, as each bureau has the one-time pull for I believe 15 with a promotion code, when you'd want it. So technically 4x a year you could find out all of the scores. For those mortgage shipping this is an easy choice. For others, who knows.


Also the price isn't changing. It has always showed 29.95 and charged you the correct amount, for whatever reason it shows the full rate but will always charge you the lower rate. Price isn't and won't change(until further notice)

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Guess I never noticed that, thanks for pointing it out. I went ahead and cancelled the membership and was given a full refund. I'll just now have to be patient and wait for Amex to update Experian, Discover to update Transunion, and Citi to update Equifax. Wally allows me to do daily checks! 

[Anonymous]

I'm very disappointed in this update. I just started fixing my credit unsuccessfully since Feb 2015, and successfully since Aug 2015. I have become somewhat obsessed with checking cct but I finally got the hang of it when they pull this. My score went up ~150 points on eq and transunion since August and ~100 points on experian. it's going to be harder for me to keep track of my progress, I have been a customer since Oct 2014 but only used the 3 pulls from August and Sept of this year. my credit is in the 500s and I am unable to get any of the cards that provide scores. there has got to be a way that they can offer the 3 pulls again.

[Anonymous]

Does experian ct give daily ex FICO score?  If so, im going to get that for $10 monthly and use ck for eq and tu reports weekly. I can buy eq and tu ficos from here whenever I need them.  Plus I have dcu for eq04 and barclay.  Saves $5 a month.

[Anonymous]

How accurate is capital one's credit tracker when it comes to scores? Thats the only card we have that offers credit tracker thus far for 1 bureau.

[Anonymous]

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@Anonymous wrote:

I login to my CCT account and the price went from $16.17 to 29.95: Looks like there increasing the price now!

Payment Card

XXXXXXXXXXXXXXX

Next Bill Amount

$29.95

Next Bill Date

10/25/2015

Billing Frequency

One Per Month

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Mine has said that from day one, and I get charged $14.97 a month. They have not jacked the price.

[Anonymous]

I emailed them to complain about the new policy and this was their reply:We appreciate the time you took to send us your comments. We value the input from our customers, and assure you we will give serious consideration to the issues you presented to us. It is through information provided by customers such as you that we are able to improve our products and memberships.

Thank you for your interest in CreditCheck®Total.

 
Sincerely,
 
Maureen P.
Your Team at Experian

[Anonymous]

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@Anonymous wrote:

I called customer service this morning when I received the email and they said it was still three pulls per month and asked me to forward a copy of the email to them at the following address membership@experiandirect.com.  They then sent me one back saying

"Dear Customer,

Thank you! We received your email message. We will review and reply to your email in the order in which it was received. We appreciate your patience and look forward to assisting you!

To help track your inquiry we have generated a reference number. Your ticket code is LTK12212012260800X. Please use this code in any further communication.

Thank you,

Experian Customer Care".  I'll post their response when they send it.

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You talked to a clueless drone.