TrueCredit Users' Accounts Terminated for "Excessive Use?"

[Anonymous]

IMHO, the biggest liability TC is going to face is how their web site advertised unlimited pulls. One can split hairs about whether TC is technically a CRA or not, but the unlimited access element in their advertising is clear and undeniable.

There is a codicil in the TOS for TC saying the service may not always be available, but I strongly suspect a judge would interpret that to cover network outages, IT issues, or overall force majeure, not a willful discontinuation of service...

[Anonymous]

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@Anonymous wrote:
IMHO, the biggest liability TC is going to face is how their web site advertised unlimited pulls. One can split hairs about whether TC is technically a CRA or not, but the unlimited access element in their advertising is clear and undeniable.

There is a codicil in the TOS for TC saying the service may not always be available, but I strongly suspect a judge would interpret that to cover network outages, IT issues, or overall force majeure, not a willful discontinuation of service...

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They are still advertising unlimited pulls. I guess some people define unlimited differently than others.

Meanwhile, TU is working feverishly to update its software. Once they are done they'll say "never mind" and offer all offended parties a couple of free months of their "new and improved" reporting service.

[Anonymous]

What I find amusing was TC's response to another MyFICO forum citizen who challenged the service termination, which was in part:

"After a thorough investigation, it is our conclusion that your account should not be reinstated due to an access pattern which indicates potential fraud or a deliberate intent to tamper with the credit scoring system. Your access, billing and all account related email alerts have now permanently been terminated as a result."

TC is going to have loads of fun trying to prove in court that its subscribers had fraudulent intent in doing daily credit pulls. After all, one of the major selling points of the daily pull service was protection against the allegedly omnipresent, terrible threat of identity theft. Frequent pulls were put out there as a way a consumer could feel confident and protected, being able to quickly spot and react to identity theft.

[Anonymous]

They had charge me with a crime quick or they are going to have a BIG problem.

I have added slander to my list.

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@Anonymous wrote:
What I find amusing was TC's response to another MyFICO forum citizen who challenged the service termination, which was in part:

"After a thorough investigation, it is our conclusion that your account should not be reinstated due to an access pattern which indicates potential fraud or a deliberate intent to tamper with the credit scoring system. Your access, billing and all account related email alerts have now permanently been terminated as a result."

TC is going to have loads of fun trying to prove in court that its subscribers had fraudulent intent in doing daily credit pulls. After all, one of the major selling points of the daily pull service was protection against the allegedly omnipresent, terrible threat of identity theft. Frequent pulls were put out there as a way a consumer could feel confident and protected, being able to quickly spot and react to identity theft.

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[Anonymous]

Today's E-mail advert from TC:

Dear Cynthia, Everyone would like to have A+ credit. But many factors affect your overall rating. The best way to see where you stand is with 3-Bureau Credit Monitoring. Get unlimited access to your 3 credit reports and scores today.

[Anonymous]

I wonder if TU Execs secretly lurk on these message boards. In a way I hope they do--and I hope the news gets out that they have screwed over so many customers.

I am very curious to see what happens to all the letters/potential legal action pending for them. Very curious.

[Anonymous]

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rifleman wrote:
I wonder if TU Execs secretly lurk on these message boards. In a way I hope they do--and I hope the news gets out that they have screwed over so many customers.

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$100K lawsuits, again and again, then an $800K lawsuit. Yet little changes.

MyFico Forums is but a backyard pond. CIC and CB are a couple of larger yet still very, very small ponds of consumers. Some are on multiple forums. On the high side, there might be 60K total credit forum members here or elsewhere, and most just lurk but do not post. We are quite insignificant compared to the 100s of millions of consumers--most of whom I suspect are completely credit unaware. I doubt we're worth the trouble.

Only really significant thing these forums produce has been termed the "CB Effect". Someone starts talking up a CC, people ask questions, next thing you know the CCC gets mobbed with several hundred apps all at once. Small banks and CUs sometimes get buried in apps.

[MidnightVoice]

Noah_Bodie wrote:

MyFico Forums is but a backyard pond. CIC and CB are a couple of larger yet still very, very small ponds of consumers.

This is true, but if you look at what happened to Juniper and what is happening at TC, I think these small ponds have enough savvy people in them to have an effect

[Anonymous]

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MidnightVoice wrote:

This is true, but if you look at what happened to Juniper and what is happening at TC, I think these small ponds have enough savvy people in them to have an effect

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I remain hopeful, but TU makes so little money from selling TC that I suspect they couldn't care less. Probably 1 in 10 TC users ever update their reports ever. Other 90% get the auto-update every 30 days.

Some good news. I can't login to TC, so perhaps TU expelled me. Yay me!

[Anonymous]

Did they finally de-bump the Great Noah_Bodie?

They should have given you lifetime free TC a long time ago. If I was you I would send the !$%* a bill.

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@Anonymous wrote:

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@MidnightVoice wrote:

This is true, but if you look at what happened to Juniper and what is happening at TC, I think these small ponds have enough savvy people in them to have an effect

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I remain hopeful, but TU makes so little money from selling TC that I suspect they couldn't care less. Probably 1 in 10 TC users ever update their reports ever. Other 90% get the auto-update every 30 days.

Some good news. I can't login to TC, so perhaps TU expelled me. Yay me!

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