Just how hard is it to cancel CCTs free trial?

[Medic981]

I am curious. I have read that some people have waited a long time on the phone to cancel CCT and others cancel by email. Just when is the best time to cancel to ensure you don't get charged and what is the best way to go about it? Just how hard is it to cancel CCTs free trial?

[Anonymous]

Simple two seconds. Go to your membership settings select cancel and confirm. Instant email to you confirming your cancellation. Just remember to get your second 3B before cancelling.

[Medic981]

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@Anonymous wrote:
Simple two seconds. Go to your membership settings select cancel and confirm. Instant email to you confirming your cancellation. Just remember to get your second 3B before cancelling.

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I use myFICO and have never used CCT $1 free trial. I get 3B every three months with myFICO subscription. Getting to look at my 3B between would be nice. With CCT do you cancel on the seventh day and get the second 3B? I am a little confused as to how to "work the system".

[Anonymous]

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@Medic981With CCT do you cancel on the seventh day and get the second 3B? I am a little confused as to how to "work the system".

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Exactly 1 week after you start your trial, you can do your second 3B report/score pull, which is included in the original $1 trial price.  Immediately following that second pull, cancel your membership instantly online.  That's all there is to it.

[Anonymous]

Or, if you need to push back your 2nd 3-bureau a couple of days more, just cancel the day before you are scheduled to have your card charged. For instance, I was scheduled for 8/12/2018 charge, got my 2nd report today, and cancelled online. I instantly got email confirmation:

Your membership has ended.

Hello James_A,

This email confirms your membership cancellation. From here on out, you won't see any membership activity or fees on your credit card.

You can still access your Experian® Credit Report for FREE.

Follow these easy steps:

Get started now Simply click here or follow the green button below.

Create a new account No credit card required and no hidden fees. Please note, you need to create a new user name.

Start using your free benefits Review your free Experian Credit Report refreshed every 30 days upon sign in.

It couldn't be any easier. 

[Anonymous]

Or you can just cancel via phone any time within the trial period, it took me 3 mins 2 days ago, without having to deal with timeline of the 2nd pull vs risk missing the cancellation deadline.

[Anonymous]

I believe the hardened CCT users also use as a "safety net" approach making all CCT trial subscriptions with a disposable VISA or MC that they purchase at the grocery store.  They make sure it has under the total monthly cost of a subscription on it.

Note too that the second pull at day 7-9 is purely optional.  If it feels like a headache to remember, just scrap it.  After all, getting a 3B report and three FICO 8 scores at a time of your choosing all for $1 is a pretty amazing deal.  For many people, the probability that something significant has changed in 7 days is low -- and if it has, then you may not be using free credit report tools like Karma properly.

[Anonymous]

CGID, I actually find the 2nd pull to be extremely valuable in determining and isolate the effects of certain actions if timed precisely, first pull before apping and the 2nd pull tells you exactly how the new inquiry hit you, same with new accounts reporting, UTI increase/decrease (all my accounts are synchronized to cut within 4-5 days), AZEO vs otherwise...etc.

[Anonymous]

Right.  But you have joined the ranks of the myFICO scoring theorists.  (You, BBS, and others.)  I have long advocated that people who are trying to do precise testing of the FICO 8 model use CCT exactly as you suggested. 

In fact BBS will tell you that I was driven crazy a year or two ago when there was a long thread involving people submitting their "data" regarding a particular conjecture about FICO 8.  (Specifically whether cards with a ginormous credit limit were dropped from utilization consideration -- e.g. when the CL went from 34 to 50k, say).  I kept walking people through how to create a crisp painless test using CCT and, like Casandra, everything I said fell on deaf ears.  The thread eventually ended up being easily over 100 posts -- far longer maybe -- when it could have been definitively settled in 3-4 with a proper use of CCT and a properly executed test.

What I was pointing out here in this thread is that a lot of beginners don't care about that stuff.  They just want to grab their three scores, hopefully after they have gotten their reports into decent shape.

[Anonymous]

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@Anonymous wrote:

What I was pointing out here in this thread is that a lot of beginners don't care about that stuff.  They just want to grab their three scores, hopefully after they have gotten their reports into decent shape.

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Understood.

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@Anonymous wrote:

But you have joined the ranks of the myFICO scoring theorists.

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