TrueCredit Users' Accounts Terminated for "Excessive Use?"

[Anonymous]

Interesting...

Now TC has added a "verification" line when you click update...have to type characters in...bet someone made a bot to check reports automagically

[Anonymous]

They've softened their Dear John Emails and made it downright confusing. I never cancelled, but I had been sharpening a stick to jam in their eye. I was gonna send a FAX asking why I have to wait 24 hours before pulling again when other monitoring services let you pull anytime the next calendar day.

Dear Noah,

We're sorry that you've decided to cancel your Credit Monitoring subscription, and we'd like to understand how we can help you with your credit management needs. Please let us know why you decided to cancel your service by filling out our quick survey.

Please note that your credit report is no longer being monitored for changes. Credit Monitoring is one of the most effective ways to identify potential fraud and guard against identity theft. Should you decide that you'd like to resume your subscription, please give us a call and we'd be happy to help.

For contact information and hours of service, click here.

Your credit health is as important to us as it is to you. We hope that you will turn to TrueCredit to help you with your credit management needs in the future.

TrueCredit
Manage your credit. Manage your life. (sm)

[Anonymous]

Ya know, I'm going to call and ask why I can't pull the next calendar day.

[Anonymous]

I havent been on this forum site in awhile. I am so upset with this true credit excessive use thing. I have been a customer since jun 2004. No where does it state you can not update your credit report on a daily basis. I thought monitoring your credit daily was suppose to help. I never had a problem until september 8th. This is the email I recieved I am so pissed.

You recently contacted our Customer Service department in regard to our notification that your TrueCredit membership and billing was being frozen due to excessive access to your account. As our customer service team communicated, our Compliance Department has reviewed your account in order to see if you qualified for reinstatement.

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.

While we regret any inconvenience this may cause you, it is our policy to protect the security and integrity of the credit reporting system.

TrueCredit Legal and Compliance Department

If I was trying to do fraud dont you think my credit score would be higher. My scores are still down. The only thing I see is that my tu inquires are less but i only had a couple to begin with. Its not my fault they had an error on there end. Ive been a true customer for a little over 3 years. I think its wrong. How do I go about taking action in this case? Ive very upset with True credit. You call and of course you get the run around and people telling you theres nothing anyone can do.

[Anonymous]

This same thing has happened to me and I am really upset. I am confused on what to write them. I like your letter but not sure I should write what you have. I dont know how to go about rectifing this situation. Please someone advise.

[Anonymous]

What is bumping or attempt to bump inquires?

How can the owner of the TC account attempt to fraud?

How can one attempt to tamper with the credit scoring system?

I don't get this...sounds like TC may be in some kind of financial trouble or something? Why would the CRA's have a problem with credit momitoring services pulling credit files, they do get paid for these pulls from the credit monitoring service providers don't they?

I am worried now that they may terminate me. I will just have to wait and see.

[Anonymous]

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cbjn1103 wrote: ...

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I am sure they could recode the CR files with ease if it presented as a real concern. I think daily pullers are a very small number. All they would have to do is create a (secret database info). They would not even have to migrate the old info. Being so incredibly simple to fix they are probably shutting us down just to try and show they are doing something about it to save some reputation. But if it were a real concern, they would change the database over night in my opinion. While they are shutting down many, I'm hoping they will not shut down all. Just enough to get the word out to scare daily pullers.

Message Edited by ilovepizza on 09-27-2007 08:15 AM

[Anonymous]

I think they may have already fixed it.

I have STRONG indications that they put the Terminations in affect at the same time they updated their DB's.

PM me if you want details.

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@Anonymous wrote:

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@Anonymous wrote:
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I am sure they could recode the CR files with ease if it presented as a real concern. I think daily pullers are a very small number. All they would have to do is create a separate database for hard and soft. They would not even have to migrate the old info. Being that simple they are probably shutting us down just to try and show they are doing something about it to save some reputation. But if it were a real concern, they would change the database over night in my opinion.

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[Anonymous]

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@Anonymous wrote:
I think they may have already fixed it.

I have STRONG indications that they put the Terminations in affect at the same time they updated their DB's.

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Something changed a few days ago on my TC as well. They have not gotten to everyone because some people still don't have to enter a code in yet. That would be depressing. At least we can still pull daily with out being shut down then and they would realize we are pulling daily because we want to not to always gain something.

[Anonymous]

yes i noticed this--in the past week they have implemented a new security precaution. Now you have to enter one of those numbeic codes. I wonder if they thought people were using some BOT program or something to automatically pull their CR at the same time everyday.