I have read a lot of posts from last fall about people being locked out of TrueCredit for pulling CRs daily over an (often) extended period of time....while others seem to report pulling daily and nothing happening. I fall into the latter category.
Going back to October 11th, 2007, until recently, I pulled my CRs 177 times from TrueCredit, and they never said anything...not a single time. Yes, I admit I'm a geek for pulling almost daily at times, but I was tracking stuff and it was sorta fun.
When I canceled it recently, they asked me to reconsider and offered me some perks in the process. Soooo...they must not mind THAT much if you pull daily.
I think the difference is that TrueCredit may have targeted people who were disputing A LOT while pulling daily reports. Notice how they basically highlighted "possible fraud" issues as a reason for their actions, even though most canceled customers vehemently denied doing anything suspect? I think they tied lots of disputing to the pulls and whacked a lot of people for it. Just a hunch, though, and I'm sure YMMV if you were whacked and didn't dispute a lot. I think I disputed a couple minor things in all that time relating to addresses and correcting contact info. Other than that; nothing.
Statistically speaking, it doesn't take a genius to realize there's probably a very high correlation between credit board participation, frequent TC pulling, and heavy disputing of CR info to "clean up" credit reports. Hence, the boards were full of stories about being canceled by TrueCredit. Eh?
Going back to October 11th, 2007, until recently, I pulled my CRs 177 times from TrueCredit, and they never said anything...not a single time. Yes, I admit I'm a geek for pulling almost daily at times, but I was tracking stuff and it was sorta fun.
When I canceled it recently, they asked me to reconsider and offered me some perks in the process. Soooo...they must not mind THAT much if you pull daily.I think the difference is that TrueCredit may have targeted people who were disputing A LOT while pulling daily reports. Notice how they basically highlighted "possible fraud" issues as a reason for their actions, even though most canceled customers vehemently denied doing anything suspect? I think they tied lots of disputing to the pulls and whacked a lot of people for it. Just a hunch, though, and I'm sure YMMV if you were whacked and didn't dispute a lot. I think I disputed a couple minor things in all that time relating to addresses and correcting contact info. Other than that; nothing.
Statistically speaking, it doesn't take a genius to realize there's probably a very high correlation between credit board participation, frequent TC pulling, and heavy disputing of CR info to "clean up" credit reports. Hence, the boards were full of stories about being canceled by TrueCredit. Eh?
