Comments on: Credit Monitoring and Free Credit Reports via TrueCredit

By: 4evermaat

4evermaat — Tue, 02 Jun 2009 18:02:33 +0000

i use truecredit.com with zero problems. I even got a free month by threatening to cancel. They allow daily monitoring of all 3 credit bureaus. Monthly pulls of all 3 credit bureaus, but daily pulls (1 per 24 hours) of Transunion credit report. CreditKarma.com also pulls transunion once a day.

By: Bri

Bri — Mon, 13 Apr 2009 08:51:31 +0000

truecredit.com is a scam. If you don’t believe me, try them and give them your credit card #.

I cancelled my account 4 days after signing up. their service is awful, does not speak english but reads off of a sheet.

I left the phone call not knowing if I had been discontinued or not.

Firstly, they billed my CC $14.95 within the first WEEK of signing up a FREE 30 DAY TRIAL. I immediately called me CC company and declared fraud after that happened, which was about 7 days after I signed up.

Two weeks after cancelling the true credit account, I recieved 14 different charges of between 14.22 and 22.77 from various places aroudn the US.

In 10 years of credit, I have never had any problems. My CC company cancelled the card and mailed me a new without me even knowing what happened. I hadnt recieved the bill yet, and when i recieved the new card, i immediately checked the old account billings ( and the fraud )

DO NOT USE TRUECREDIT. if you do, remember, I warned you.

By: Nickel

Nickel — Mon, 16 Mar 2009 16:18:53 +0000

Anna: If you cancel before the end of the trial, yes.

By: Anna

Anna — Sat, 14 Mar 2009 22:24:25 +0000

Are they really FREE? Heard some are not and have hidden charges

Anna

By: Zeke

Zeke — Sat, 01 Mar 2008 10:35:37 +0000

I have had sucha hard time cancelling my service…
The following were used: Computers down, system problem, blah blah blah, It took 45 mins to even find a number on their web site..It can be useful but beware of the difficulty in cancelling and of course the thousand why are you cancelling questions

By: My Dollar Plan

My Dollar Plan — Wed, 16 Jan 2008 19:39:34 +0000

We used true credit for a couple months while I needed to monitor our report. Wal-mart offered a discount for it.

By: Lauren

Lauren — Wed, 16 Jan 2008 19:02:16 +0000

Also, if you do sign up and forget to cancel before it renews, do not hesitate to ask for a refund. I did that and after about 10 minutes of saying, “No, I don’t feel the need to monitor my credit on an hourly basis,” they gave me a refund.

By: jayne

jayne — Wed, 16 Jan 2008 15:35:17 +0000

I’m going through the process of disputing some fraudulent items on my credit report, and am also out of free credit reports. I might have to use a service like this to check up on things in a month or two and get it all settled. Be sure to let us know if you encounter any shenanigans, such as TransUnion continuing to charge you after you’ve canceled.

Jack: thanks for the tip. If I do use this TrueCredit thing, though, it might be a bonus if they cancel my account for me instead of forcing me to call in and cancel it myself.

By: Jack

Jack — Wed, 16 Jan 2008 15:15:37 +0000

A Warning — TrueCredit advertises unlimited access and unlimited daily pulls of your credit report, but if you pull a new report frequently (several times a week)they will cancel your service under the guise of a “fraud investigation.” They will not tell you the number of pulls that is “allowed” to avoid this cancellation — the CSRs do not even seem to know. This has happened to many people in the last six months.

TrueCredit is a good service, but it is wrong for them to advertise unlimited pulls (”every day if you want” to quote their site) and then cancel your account for doing what they advertise.

By: Ron@TheWisdomJournal

Ron@TheWisdomJournal — Wed, 16 Jan 2008 14:56:05 +0000

Equifax offers a very similar program and I’ve been using them at $9.95 per month ever since my identity was stolen in July of 2005. They actually caught the same guy trying to do it again. Yes, I pressed charges!