Wow, TrueCredit.com changed the update interval to ONCE per month!

[TidalWave]

Wow, that makes their shit service effectively WORTHLESS now. I just called up their support and told the bitch to cancel my service immediately. I've been a customer of theirs for 3 YEARS STRAIGHT paying monthly.

Who the fuck would pay the monthly now for once per month updates? Worthless... I can just pull my credit report anywhere I want now, they removed the ONLY benefit they had.

They did this quietly too, didn't email me or post a notice of the change. I hope they get a shit ton of cancellations over this.

[leek]

myFICO.com FTW.

[riddler]

creditkarma.com, quizzle.com..

[TidalWave]

cancel your truecredit.com account if you have one, show them they made a stupid fucking mistake

do it for the good

[Profits of Doom]

My True Credit monitoring service expired almost two years ago, and for some reason they still send me monthly updates and e-mail alerts if anyone checks my credit. To be honest I thought they always sucked, as I used to subscribe to all three and if anything happened with my credit, good or bad, it would show up on the other two but never on True Credit...

[Wagerboy]

anyone tbhat would pay monthly for that is a fool. easy FREE thing to do, put a fraud warning on your reports. people must call before extending credit. pretty simple and free

[TidalWave]

No, I didn't get it for their "monitoring" -- thats bullshit, I did it so I can pull my own reports to check the status of different things I have on there. I paid their full price for a 3-bureau report -- once every 24 hours. I paid them every month for 3 years -- always thought it was a cool service.

Now they can go fuck themselves.

[PSSuperstars]

Originally Posted by Wagerboy

anyone tbhat would pay monthly for that is a fool. easy FREE thing to do, put a fraud warning on your reports. people must call before extending credit. pretty simple and free

Then you absolutely know nothing about BUMPAGE and increasing your score.

[TidalWave]

I fucking hate outsourced support -- they are good for nothing but taking orders from the company or the customer. There is no real "care" about the company involved. So the Filipino I talked to really didn't give a shit I was cancelling, even though she asked. So someone who actually cares, higher up in the company, about keeping customers signed up , most likely will never realize why they are getting cancellations.

Outsourcing support is stupid -- kills your possible retention ratio.

[96ukssob]

Originally Posted by TidalWave

Wow, that makes their shit service effectively WORTHLESS now. I just called up their support and told the bitch to cancel my service immediately. I've been a customer of theirs for 3 YEARS STRAIGHT paying monthly.

Who the fuck would pay the monthly now for once per month updates? Worthless... I can just pull my credit report anywhere I want now, they removed the ONLY benefit they had.

They did this quietly too, didn't email me or post a notice of the change. I hope they get a shit ton of cancellations over this.

I saw this too, what a waste. i emailed to cancel my service, but im looking thru their TOS to see if they can make that change. if not, then im getting some money back.

[Wagerboy]

Originally Posted by PSSuperstars

Then you absolutely know nothing about BUMPAGE and increasing your score.

Im sorry i dont follow. I dont know much about credit, its just what i do for a living. What is BUMPAGE, I dont know that term.

Credit report services are a joke. They give you a score of 75-200 points higher then what your score really is, as its the "internal score" This keeps you buying.

Again, what is BUMPAGE, as I dont know that term and you are an expert..

[TidalWave]

Bumping your report has been obsolete for a while now, FYI.

[Barefootsies]

Originally Posted by leek

myFICO.com FTW.

Ran with Equifax backbone. Updated once a month as well. I had them 3 plus years. I should know.

[TidalWave]

Originally Posted by bossku69

I saw this too, what a waste. i emailed to cancel my service, but im looking thru their TOS to see if they can make that change. if not, then im getting some money back.

Let me know if you find something and if you know when they implemented this. Its been at least 1 month, AFAIK.

[TidalWave]

Originally Posted by Barefootsies

Ran with Equifax backbone. Updated once a month as well. I had them 3 plus years. I should know.

Equifax is the most ghetto, and unmodernized JOKE of a bureau ... hate equifax.

[Barefootsies]

Originally Posted by PSSuperstars

Then you absolutely know nothing about BUMPAGE and increasing your score.

True dat. Many ways to manipulate your score up and down. However, they become ineffective with once a month updates.

While he has a point, and I have done that as well with the fraud alert crap. It turns into an incredible pain in the ass when you are seeking new credit. Nothing like going through phone and mail verifications 1-3 times per.

[seeric]

the tried to hose me on a few things a while back. i have myfico now and they are pretty much the best i can find. for what i need, they suffice.

[Barefootsies]

Originally Posted by TidalWave

Wow, that makes their shit service effectively WORTHLESS now. I just called up their support and told the bitch to cancel my service immediately. I've been a customer of theirs for 3 YEARS STRAIGHT paying monthly.

Who the fuck would pay the monthly now for once per month updates? Worthless... I can just pull my credit report anywhere I want now, they removed the ONLY benefit they had.

They did this quietly too, didn't email me or post a notice of the change. I hope they get a shit ton of cancellations over this.

I had that service for two years, and then canceled it once I found out that shit was not an accurate score. I called to complain when the score was off 50 points, and was told that is is just some 'forumla' or guesstimate. If I wanted my "AccuScore" I needed their other service Experian offers, which I have. So I canceled that other shit.

I do not remember the name of it, but I basically get mailed reports for changes and updates, and then when I want my TRUE "AccuScore" that all the credit bureaus moved to over a two years ago (away from myfico) then I call and they send it to me.

Yes, that's right. Other than house, and a few other things. AccuScore is what is used for credit, credit cards, auto, etc. Maybe not by ALL banks, but the majority. FICO score is used by the minority now, and that went into effect end of 2007.

I had monitoring service through ALL the agencies as I was preparing to buy a house, and heard that shit from ALL of them. Basically it is a collaboration score between all three of the agencies.

[Wagerboy]

Originally Posted by Barefootsies

True dat. Many ways to manipulate your score up and down. However, they become ineffective with once a month updates.

While he has a point, and I have done that as well with the fraud alert crap. It turns into an incredible pain in the ass when you are seeking new credit. Nothing like going through phone and mail verifications 1-3 times per.

lol. I love when people who have NO FUCKING idea what they are doing gives advice. Go through the phone interview thats it, really, you instead of paying someone to do the same thing. especially "3 times"...If that was the case you would automaticly have that in place. "3x a month" ill assume you meant, means a fraud warning automaticly requiring a phone call. nice try there baller.

[fallenmuffin]

Yeah, it sucks. I use to update mine a few times a week. (Looking to buy a new car). After I get my next update - I'm going to cancel my membership.

[Barefootsies]

Originally Posted by Wagerboy

lol. I love when people who have NO FUCKING idea what they are doing gives advice. Go through the phone interview thats it, really, you instead of paying someone to do the same thing. especially "3 times"...If that was the case you would automaticly have that in place. "3x a month" ill assume you meant, means a fraud warning automaticly requiring a phone call. nice try there baller.

Ah one more GFY clown talking like he knows everything about everything.

Sorry bitch. When there is a fraud warning, or alert on your account. They have to talk to you. You can not apply for stuff online. Or more correctly, you can, but the creditor must verify they are talking to you.

Now, that said, they can call you, you call them. They verify info about you. Like past address, car's owned, payments you are currently making while talking to you on the phone. Typically 3-5 questions.

Other banks or creditors will require you to mail in shit, like SSC or mailing address to verify you are you after talking to you on the phone.

Seems to vary from bank to bank on their policies to dealing with an alert like this.

Oh, and I happen to have one of these little letters from Capital One laying around my office here little bitch, as I JUST had to go through this with them, and Best Buy.

Now.. carry on.

[96ukssob]

Originally Posted by TidalWave

Let me know if you find something and if you know when they implemented this. Its been at least 1 month, AFAIK.

I noticed it back in mid December. I was usually pulling it about 2x or 3x a month for updates.

I believe the TOS says "unlimited reporting updates" but I think they are trying to get away with it with their "see your updates" report, but only for TU. I'm not even going to try and get a refund with them, just call Amex

[TidalWave]

bump. if you have an acct here cancel ittt

[leek]

Originally Posted by Barefootsies

Ran with Equifax backbone. Updated once a month as well. I had them 3 plus years. I should know.

I've used myFICO for about 4 years now and I love it. Reports from all 3 major credit bureaus, live monitoring (w text message alerts), dispute letter generation, etc. etc.

http://www.retailmenot.com/view/myfico.com for 20% off promo coupons.

[tranza]

That's too bad!