Comments on: Ugh! Canceling My TrueCredit Account

By: Starz

Starz — Wed, 14 Dec 2011 17:38:16 +0000

I just experienced this today. They changed their services from getting all three credit scores for $9.95 a month to $14.95 a month and you only get the TransUnion Score now. In order to get the other scores you have to pay an extra $30.

She kept saying that she’d give me service for free .. for X number of months. I kept asking her if it would give me all three scores for $9.95 a month – she finally said no and I told her to cancel then. Then she got snooty with me and rambled off my confirmation number so quickly that I had to ask her to repeat it. Then she talked to me like I was stupid and said, “Let me repeat that for you X pause X pause..” I will NEVER use them for anything again.

By: Uma

Uma — Tue, 13 Dec 2011 21:57:45 +0000

Oh my gosh, so good to read of so many with similar frustrations as me. I did that same thing, with the free 7-day trial and then I couldn’t figure out how to cancel. They charged me. I was furious. Googled it, found this blog.

Now, armed with all your stories, I called them. Said one time, I wanted to cancel, wanted a refund, thought they should have an easy way to cancel on the website.

Guy said it was in the agreement that you have to call but that he could help me. He cancelled me and said the refund would also be issued immediately, but that it might take the banks a few days to finish processing it. I could not believe it was that easy.

Someone over there is reading this blog!

By: Greg

Greg — Mon, 12 Dec 2011 21:56:58 +0000

Took about 30 seconds to cancel, as soon as he asked why I wanted to cancel I told him “just cancel it!!”. It’s sad that companies like this force us to be a-holes.

By: Corey

Corey — Tue, 06 Dec 2011 23:49:48 +0000

I tried to cancel my account the following day and they did not process my cancellation. Fortunately, I remembered that I did not receive a cancellation notice and had to call a second time when the representative told me “according to you, you called last week…” Not according to ME according to the facts. According to my phone record bitch. Shady people.

By: Malia

Malia — Sat, 03 Dec 2011 16:45:41 +0000

Just cancelled my 3-credit bureau monitoring service with TrueCredit.com. I only had it for two days, and only signed up to get a copy of my credit report for free. When I signed up, they said it was free for seven days and then they would charge me, so of course I wanted to cancel way ahead of that seven days to avoid any issues.

After reading on this blog that you could only cancel over the phone, and that it’s a huge hassle to do so, I was not looking forward to making that call. I did call just now, however, and amazingly, the customer service rep immediately cancelled my subscription, gave me a conf # and sent an email confirming as well, without any rigamarole or sales pitching. Awesome!

I guess *somebody* has been reading consumer complaints about their practices. Now if they would only give an option to cancel one’s subscription directly from the website, they’d have made vast strides.

By: Heather

Heather — Fri, 04 Nov 2011 15:46:36 +0000

I canceled the “free” service back in August, before the 90-day trial was up. Lo and behold, they continued charging me. I just called again, and received another confirmation (again) that the service was canceled. I will report them to the authorities if I see one more charge on my account.

By: richard

richard — Sun, 24 Jul 2011 13:54:08 +0000

I wanted single “free ” report. Had thought maybe had cancelled online right away- but you know how ambiguous they make this. ONly noticed charges on credit card after three months.

In calling to cancel told rep. all this and said I wanted refund for the three months too. He first said he could only cancel, then said he could refund two months but I’d have to call back Monday to get the first month’s refund — after I said I would be writing the better business bureau and my legislature about trucredit deceptive business practices. He did give me a cancellation confirmation number and said I’d been credited for the two months. (We’ll see) Later he said he’d made a note for them to recognize when I call back for the first month’s refund.
He seemed to have done this before and was fairly straightforward.

By: nikki

nikki — Wed, 20 Jul 2011 18:20:09 +0000

Omg…realy bad experience when I tried to cancel my account 5mins ago. The man I talked to wont let me cancel it, even if I no and was rude. Ill try to again later.. .ugghhh…

By: Stevo

Stevo — Thu, 24 Mar 2011 17:07:10 +0000

If you want to skip the hassel of talking with a rep just change the credit card you have on file to one that has expired. They will end up closing your account since they can’t get any money from you.

By: Rhynn

Rhynn — Fri, 18 Feb 2011 01:24:45 +0000

Haven’t tried to cancel with them yet but I will be doing so within the next hour. Extremely embarrassed right now as I’m talking to the firm that runs credit reports for the owner of a condo I’m trying to rent and after looking at three scores in the mid to high 700s on truecredit for the past 2 months and an Equifax score of 779 from them after an update done 15 minutes ago, I’m having to send them an Equifax report directly from Equifax that says I’m at 676!

I know these FAKO scores are supposed to be +/- 20-30 points but for crying out loud! 103 points high?! What’s the point? I already have Lifelock for identity theft plus CreditKeeper from each one of my card companies and an account at MyFico.com on top of it. I was using TrueCredit to cross reference but if the scores are this far from any basis in reality I’m simply going to dump that $14.95 a month. I guess I’ll be back if I have another cancellation horror story to add but I agree. There should be a cancel button in very plain view on the account details page.

Wish me luck.