Im assuming you called and cancelled the service already which is why you're expecting a refund tomorrow?
Transunion has several different products offered on their website, only one of which is free. I admit the way they set up the product info can be confusing so you have to read very carefully. But, if I recall correctly, a sign up isn't required to review products.
One hint that they (or any company) may charge you is when they ask for payment info like a credit or checking account number. When you see such a request, best to take the time to read through the terms and conditions of the service before proceeding to find out why your financial info is required (sometimes it's a form of id verification or it could be for potential future billing if you're agreeing to a free trial). And if you can't figure it out from the T&C, then contact the company and ask - never just hand them your payment info without understanding why.
Good luck!
You're cancelling very soon after the purchase, never having an opportunity to use whatever service they charged you for, so you'll probably receive your refund without hassle. I believe there's also a customer service message option on their site somewhere - so you can send a note through that also if you have trouble reaching them by phone.
@hornedfrog1985 wrote:I think what got me was that I was just trying to get info on getting my actual fico score. I clicked a link that made it seem like I was just going to be making an account. It says sign up, etc, etc. I just went back and looked and it says in tiny white print in a separate box on the right side (I had to scroll my window to even see it) that I was signing up for some BS. Nowhere else did it say that I was signing up in the next 3 or 4 pages. There wasn't a single thing saying my total would be this or that. There was nothing that said anything about money, or a subscription on the final page, etc. I know some people are thinking thats my fault, and maybe it is, but this was completely made to trick people into getting a subscription without noticing it. They have been sued in the past over this, and they are doing it again. The fact there is precident from them doing this exact same thing to people made my mind up. I would link to the countless identical stories of this but I'm not sure if that is allowed.
Well -- you can still file a complaint with BBB even after you are refunded all of your money - if for any reason to have a record of what you believe to be misleading business practices -- and maybe your story will help someone else in the future.
Also -- the transunion website doesn't offer FICO scores. They offer scores of the Vantage 3 model which are not particularly useful as the overwhelming majority of lenders use FICO to make credit decisions; very few, if any, use Vantage.
If you want a legit source for your FICO scores, go to Experian.com. They offer a $1 / 7-day trial which will provide your FICO 8 scores for all 3 credit bureaus. They will request your payment info to sign up for the trial but will not charge you the monthly subscription fee unless you fail to cancel the service before the trial ends. You will literally only pay $1 as long as you cancel in time. Members of this forum use the service all the time and no billing issues have been reported. You can even sign up for the trial again later if you want an update on your scores.
Experian also offers a free plan (no payment info required to sign up) that will provide your Experian FICO 8 score with a score update every 30 days.
Unfortunetly, they probably had some small link somewhere to read everything with a box you had to check understanding that. They have lawyers to write those up to lock you in and if you dispute, they say did you sign up? Did you check this box stating your read and understood the terms and clicked ok? Thats how they get you. Shady, yes. Illegal, maybe but probably not. As for the refund, it won't be the next day. Figure 2 weeks or so. Alot of places are quick to pull that money but very slow on giving it back.
30 day post DC
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