@Anonymous wrote:
@Anonymous@I'm with @frogman on this one. Clearly these are sneaky business practices that have probably been cheating *thousands* of customers out of their money for months on end due to not being able to cancel. Emails have historically gone unanswered by CCT with numerous complaints littering the interwebs from customers who can't cancel within their short 7-day window.
I say just use the other reputable providers and leave CCT alone.
I don't think they're cheating anyone at all. I've done proably 40 CCT $1 trials and have never been cheated out of a penny. You have to understand that you get what you pay for. You're getting a total of 6 FICO 08 scores for $1; you get 3 when you start the trial and 3 again 7-10 days after. 17 cents per score. They aren't making money off of anyone doing this. Something has got to give here. What gives is the customer service and ease of cancellation. For what you get for a dollar, I think the minor irritation that goes along with it is worth it. Others may not and that's fine, they don't need to use the service.
You can use other reputable providers, but are there any? I don't know of any other place that you can pull your 3 FICO 08 scores at the moment you want them for $1.
Also, there's a super easy work-around to ensure that you never get charged anything more than $1. You simply use a gift card that has $25 or less on it to start your trial. If they ever try to bill you for a full membership at ~$29, you won't have sufficient funds on the card and thus won't be charged.
Interesting perspective. I hadn't considered that. I see how using a gift card would act as a second level of insurance against getting charged. Clever. 
I don't think they're cheating anyone at all. I've done proably 40 CCT $1 trials and have never been cheated out of a penny. You have to understand that you get what you pay for. You're getting a total of 6 FICO 08 scores for $1; you get 3 when you start the trial and 3 again 7-10 days after. 17 cents per score. They aren't making money off of anyone doing this.
Correction: They aren't making any money off of YOU by doing this because YOU know what to do to avoid being charged. (And now I do too so thanks a bunch 
)
Do you assume that all the other users are as savvy as you are? Given the amount of complaints from users who have had to cancel their bank cards (just Google it), they're probably not. My guess is that you (and everyone else following this thread) are in the minority and that CCT is indeed making money hand over fist without our dollars. How many times have you forgotten to cancel a subscription and just ate the loss? I know I have! I'm pretty sure CCT is doing okay or else they wouldn't be able to keep the service going.
But thank you for opening my eyes to something I hadn't considered! When you put it that way, I guess it does work out to be valuable IF you know what you're doing.
This worked like a dream. Was on the phone for less than 5 minutes from hitting send on my phone to membership cancelled. Spent 10 seconds on "hold". Guy was really nice and didn't give me the usual "please don't leave" speech.
