Awhile back, I noted that we had received a mysterious collections call, and later learned that we had been inadvertently sent to collections by our local Urgent Care facility. Unfortunately, I had used up my free annual credit reports when I first got the call, so when we later learned what was going on, I wanted to check to see if anything had subsequently shown up on our reports.
Our state actually requires the credit bureaus to give us two credit reports per agency per year, but the additional reports would’ve had to come via snail mail (much like requesting a credit report for a minor). Since I didn’t feel like waiting around, I decided to find another way to access our credit reports for free.
My search led me to TransUnion’s TrueCredit service, which is a credit monitoring and credit protection service. While their service typically costs $14.95/month, they have an introductory offer that gives you 30 days for free. The beauty of this offer is that it gives you unlimited access to all three of your credit reports. The downside is that it auto-renews, and you have to call in to cancel.
In the end, I decided to sign up with TrueCredit so I could keep track of my credit record while the collections saga was unfolding. I actually ended up sticking with them for the free month plus a paid month, as I wanted to be sure that nothing ended up creeping onto my report before I was confident that this matter was settled.
Earlier this week I checked my calendar and saw that the end of the second month was fast approaching, so I dropped by the TrueCredit website to get their contact info and cancel.
In case any of you find yourself in a similar situation, I thought I’d jot down some notes about the cancellation process:
(1) Call TrueCredit at 1-800-493-2392
(They’re only open Mon-Thurs, 8AM-Midnight; Fri/Sat, 8AM-8PM Eastern time.)
(2) Press ‘1’ for English, then ‘2’ for cancelling service
(3) Wait while you’re being transferred (I was disconnected once at this point)
(4) Tell them that you want to cancel and wade through their pleas to keep you as a customer
While they do their best to upsell you, TrueCredit can actually be quite useful under certain circumstances. In my case, it was well worth $14.95 to have unlimited access to my credit reports for two months while sorting things out with the collection agency. That being said, I can’t imagine paying $14.95/month on an ongoing basis for this sort of thing.