TrueCredit Users' Accounts Terminated for "Excessive Use?"

[haulingthescoreup]

loubee and MsBenz06, every stinkin' score out there is FAKO, with the exception of scores you get directly from FICO on this site, the score you pull from Equifax, and apparently one you can get from transunioncs.com --not plain old TransUnion, but with the cs at the end. They have to have that gold seal thingy on them to be real. Also, if you have a credit card from WaMu, you can get your TU PFICO score. This is a FICO score that is weighted in favor of your credit card history and use, and it can easily be higher or lower than your regular TU FICO score, depending on your CC history.

I think credit monitoring services are great to look at your REPORTS, not your scores. After all, if you're monitoring your credit, you are trying to keep an eye on what is showing up on your reports--new accounts, strange balances and so forth. The monitoring services seem to think that they need to give you scores to look legit or something, but the scores are all FAKO's, in that lenders don't use them.

So I do keep going with TrueCredit, pulling reports daily until they kick me out, and ignoring the scores. Also, I would advise that you ignore the advice they give you, as it frequently conflicts with FICO advice. Some of it can hurt your FICO scores. After you read all the advice here, AND the advice you get with your FICO's, AND then the advice that you get with FAKO scores, you can get a lot of garbage cluttering up your brain. It's confusing enough trying to figure out the real stuff!

[Anonymous]

Wow. I just read this entire thread. I had first heard of this a few days ago on another thread here, so this one cleared up most of my questions.  I can't believe they are doing that to you guys. Me and the bf both signed up for TC a few weeks ago and have been checking it just about every day. The whole reason we picked TC was because they said you could check your report every day. I don't want to get kicked off because I do like the service, but I'm in the beginning stages of fixing my credit and do want to keep a constant eye on my reports. I hardly have any inq so getting them off is the least of my worries and not even a reason why I pull frequently. I just want to make sure stuff comes off my report and keep track of how it affects my score in the process. I'm also doing everything else that I should be now such as paying on time and keeping my util under 9%, so I want to keep track of how that affects my score as well.

Has anyone been kicked of lately? Does anyone else pull a lot and not been kicked off yet? If so how often do you pull? If I do get kicked off I will be pissed off along w/ the rest of you at the fact that I got the boot for doing something that they say you can and filing a class action as well. Good luck. I don't see how you don't have a case. Keep us updated as to what the final result is. Also if you get kicked off for pulling every day then why do they let you? Makes no sense to me.

[haulingthescoreup]

There has been another recent flurry of posts, including a few more newly kicked off TC. Some others who had been banned by TC and then started using other services (I think one was National City) were kicked off the second service quite a bit later, because those services were just a repackaged version of TC. Not only do they write bad software, apparently, they're also pretty slow to follow up on these threats that they think are out there!

I've used TC nearly daily for 3 months. Several weeks ago, it started loading strangely and popping up with old reports, so I keep thinking I've been kicked out, but not yet. Others have pulled daily for 6 months, with nothing happening, and then poor Brammy pulled seven times in 2 weeks, and out she went.

Mine's getting ready to be rebilled on the 9th, I think it is. It will be interesting to see if they coincidentally boot me right after that! In the meantime, I'm shopping around for replacements if necessary. I already have EQ Credit Watch Gold (love it! full reports showing soft inqs! --but doesn't show the date things post), and my CU offers an EX monitoring service for half price, so I might limp along with that. Plus, there's Privacy Matters, which I THINK is a non-TC product, so we'll see. I'm planning on sticking with TC until they vote me off the island.

[y0rascal]

just wondering how many people here have fico products... like i purchased the scorewatch with eq and the id theft kit w/transunion from fico....

i wanted a true score so i paid extra anyone else on fico??

[haulingthescoreup]

Absolutely! I have FICO EQ Score Watch. I drives me nuts sometimes, but it did alert me to my bucket reassignment (whole other story.) I don't subscribe to any other FICO products, but I buy scores way too often! (see below) --I promise that it will now be * only * once a month.

In my mind, it's two different things: I like to see what is happening on my REPORTS, so I use TC, and when I can see on the reports that something has probably affected my scores, I use FICO to see my SCORES. I don't see a lot of point in doing one without the other.

And yes, I do think that I've paid enough that the Minneapolis office of FICO ought to be able to raise the thermostat one degree this winter!

[Anonymous]

Yes, y0rascal, I also subscribe to Scorewatch and the myFICO Quarterly Monitoring (for TransUnion). However, some people canceled by True Credit aren't able to pull Trans Union through ANY online service, including myFICO.

The only way to get one's reports after that is through the mail.

[Anonymous]

I should count myself lucky, as of now, I am still able to access my TU scores thru myfico.

[Anonymous]

I just got a email from TC saying there was a change in my report. I want to pull a new one, but I will hold off because I just pulled it yesterday. Ahhhhh.

I too use Score watch and TC.

[Anonymous]

TU abso-freaking-lootly blows....lol!!  I just took a closer look at thereport I pulled in late Nov...they have not updated any of my accounts since Sept or late Aug...Whats up with that?

[Anonymous]

Just read a different twist on this saga.  Cust using TC and paid balance on Barclays card.  TU suspended then Barlclays CLD'd themm.  Maybe they feel using the reporting dates of your acounts to be sure thatyour balance is paid dow nis the method to commit fraud?