TrueCredit’s earns a 4.4-star rating from 13 reviews, showing that the majority of customers are very satisfied with credit monitoring services.
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refusal to cancel my account
I was a customer of Truecredit.com from 2008 to 2011. After I purchased a new condo, I no longer needed the service. I called on 12/15/11 to cancel, yet they continued to bill me in both January and February 2012. I called again to cancel, and they said I could not, because I had accessed the webite earlier that day (yes, I did... to find out if I could cancel online... you can't). Called back severals days later to find out if the 2nd cancelation had been done, and it was not. Very SAD that the biggest FRAUD I've experienced is with the one agency whose mission it is to protect me from such things. DO NOT SIGN UP FOR THIS SERVICE... YOU CAN GET FREE REPORTS EVERY QUARTER... why pay for it, and get stuck with this hassel.
The complaint has been investigated and resolved to the customer’s satisfaction.
Un-authorized monthly billing
After checking my credit report on 12/04/2009, with Transunion, they required a ONE time charge with my credit card in the amount of $7.95. Just noticed today that on my online credit card statement that I was charges $14.94 monthly since 12/04/2009!! I called on 11/1/2011 the so called Transunion to dispute the charges and they kept legitimizing why my...
Read full review of TrueCredit and 7 commentsTheir name TRUE CREDIT, is a joke
They are a scam! They market your credit scores as if the numbers are coming directly from the three credit reporting bureaus, when in fact the numbers are some fictious numbers TRUE CREDIT has in fact come up with. The credit scores they provide are of no value to you as a consumer. Not only should you avoid them like the plaque, if you are utilizing them, cancel now and ask for a refund of dime you ever paid. Their name TRUE CREDIT, is a joke.
Is TrueCredit Legit?
TrueCredit earns a trustworthiness rating of 81%
Highly reliable. Use their services with confidence, yet trust but verify.
By resolving 84% of 13 negative reviews, TrueCredit is demonstrating its dedication to customer satisfaction and effectively addressing customer issues. While there may still be some practical problems that need to be addressed, such as long wait times or unhelpful responses.
The age of TrueCredit's domain suggests that they have had sufficient time to establish a reputation as a reliable source of information and services. This can provide reassurance to potential customers seeking quality products or services.
Truecredit.com has a valid SSL certificate, which indicates that the website is secure and trustworthy. Look for the padlock icon in the browser and the "https" prefix in the URL to confirm that the website is using SSL.
However ComplaintsBoard has detected that:
- Truecredit.com has relatively low traffic compared to other websites, it could be due to a niche focus, but could also indicate a potential lack of traffic and popularity. The truecredit.com may offer a niche product or service that is only of interest to a smaller audience.
- We conducted a search on social media and found several negative reviews related to TrueCredit. These reviews may indicate issues with the company's products, services, or customer support. It is important to thoroughly research the company and its offerings before making any purchases to avoid any potential risks.
scam and misleading
What a scam! I paid for the three credit score and report for myself and my husband when we started the process of applying for a mortgage for a new home. I was very happy to see that my score was 756, 767 and 803. I thought we were home free. When I called Wells Fargo to get a preapproval and they checked my credit my scores were over 100 points lower. I couldn't believe it. I called true credit by transunion and was told they use a different scoring system and the scores that banks and lenders use are different. No kidding they're different. I cancelled the service and was told that I could not have a refund since I already used their service. Gee, great I get charged for using a useless service and then when I am utterly dissatisfied am refused a refund. The woman said she would transfer me to another department which she did. That office was closed and gave me no other options! This is a completely useless service for people who actually want to know what scores the banks and other credit issuers are looking at to determine credit worthiness. Stay away. Shame on transunion.
The complaint has been investigated and resolved to the customer’s satisfaction.
I tried to cancel my free trial before they charge my credit card, and they wouldn't answer the phone I call transunion since that how I enrolled to truecredit and they say they couldn't do anything I tried calling truecredit costumer service for 5 hours and no answer!
Lied about being a free trial. The charged me twice and i didn't get my credit report Called them and they were rude and hung up on me. Finally got a supervisor. Same rude attitude. They refused to refund my money. Stay away from this site.
Whatever you do, stay away from this company.
if you want to donate 50.00...sign up with true credit.no service for your money.internet nscam for sure
true credit is a scam.they advertise free credit reports.once they get the credit card number they promply bill it for 14.95 and then a day later they bill it for 29.95.they are thieves .they will not give u back your money.beware of true credit.they are a cut below.you will be out 50.00 bucks very quick and no service for it either.
did u get ur furniture
Inaccurate information
I have been a paid member of truecredit.com for over a year while I was repairing my credit.
As of the last information on the site, my credit scores for all three agencies were in the mid-600s.
I was working with a mortgage broker to obtain a very small mortgage (under 50K) because home prices are so cheap in my area.
She called me and said that the credit reports she was getting from all three agencies were MUCH LOWER than the TrueCredit scores. I called True Credit and asked them why there was such a variance. They could not explain why.
I have been paying them $15 a month for NOTHING. All the progress I thought I had made was meaningless. I am devastated.
I am reporting them to the FTC and the Better Business Bureau for fraudulent activities.
overcharged
i was informed i could get my free score but was charged a month later on my debit card, i called and the indian man convinced me to upgrade to 3 reports for only 9.99 as opposed to 14.95 for just trans., stated he could credit me back 14.95 and charge just 9.99 and go with this special offer! well looking at my bank statement i was charged 14.95 twice and credit only once with an additional 9.99 charge 2 days later, my free credit report cost me 24.98 and about an hour on the phone. i had the service less than a month. Trying to cancel is a joke and they refuse to cancel your account. i was hung up on by 3 ppl who couldnt explain to me what had happened. i hope this gets cancelled but STAY AWAY FROM TRUECREDIT BY TRANSUNION, i will be contacted my local news station to help spread the word across oklahoma city/tulsa area
The complaint has been investigated and resolved to the customer’s satisfaction.
canceled and they charge me
I had true credit service for many years, I wanted to cancel, I had authorization with my debet card, I cancelled all my services with them, and closed the account, the charge was returned to them as I closed the account attached to the debit card, in the amount of $5.95 which they sent to check systems, and they charged me a $25.00 fee.
The complaint has been investigated and resolved to the customer’s satisfaction.
Can not stop subscription
I have had this service for 5 months now and decided to stop it. There is no where on the website that allows you to do this. There is also no where on the website that provided a phone number for customer service reps.
Having to contact my credit card to contest the charge and I'll let them deal with it!
The complaint has been investigated and resolved to the customer’s satisfaction.
Did you know that Creditreport.com, freecreditreport.com, truecredit.com, experian.com are ALL THE SAME? I called today b/c I was getting billed for three services and wanted to cancel. Credit report informed me that I had two accts that were active and I was being billed for them. After cancelling both, I called Experian and she said I had two accts that were already set for cancellation. So I said "you two are connected then right?" Her smart *&# response was "AHH, you've caught on". BEWARE!
You can call them at [protected] and cancel. I just did this morning. I got a little worried at first, because when I pressed "2" to cancel, I got disconnected. But when I called back a second time, it worked, and I got a rep. He wasn't too pushy and I was able to cancel in a couple minutes.
Fake commercials insulting my intelligence
All of the TrueCredit.com ads are fake. 'Chuck Storm' walking into a post, someone catching a football and running into cables, the ridiculously fake guy stapling up christmas lights and the alleged trip and fall at a wedding.
In all four four of these examples, the camera work gives away that they are fake. Not to mention that the staplegun guy helps in the wrong place, which NOT stapling his finger which moves afterwards anyhow.
It's all pathetic and utterly irritating. It's compounded by the fact they always show two back to back...double more annoying.
Get this crap off TV.
I'd typed 'yelped' not helps and 'whilst NOT' and not 'which NOT' but the site appeared to spell check these somehow!
The complaint has been investigated and resolved to the customer’s satisfaction.
So wait.. you think they're trying to pass these off as real accidents caught on tape? LoL.. good catch man; way to debunk a fraud!
SCAM and FRAUD upon cancellation!
I have used www.truecredit.com for a long time. I called to cancel my account as did my husband and my daughter. Everything was fine and under the "assumption" that it was canceled. However, they did not charge me for one month and then began billing again.
I was very firm in that I needed to cancel my account. I was given the information about how keeping the account could "better my future" and how not having it "could affect employment or living situations." I told them to cancel. Upon telling me it was canceled, the guy told me that "AS A CURTOSY I WOULD BE GIVEN ONE MONTH WITHOUT CHARGE. This is where the scam starts. At this point they lied! I was never told that I will be given one month free and then they will bill again. Not one time did they tell me that they would do this! In fact, I was told the opposite! I was told there would be no more billings.
The second part is the way they bill. You cannot do a stop payment if you use your debit card to pay your monthly charge because they run the transaction as "POS, " (Point of Sale) the same as if you went to Wal Mart and used your card. I have no doubt they do this with your credit card also. This, to me, sounds as if they have been through this before so they don't run it through as normal companies do when you have a recurring charge. Think about it, for every 10 people this is another $150.00, now multiply that by a100 and then 1000. It adds up as one more months charge for every person who is trying to save money.
Now, I realize that this one little letter will not do very much good. My warning is to MAKE SURE YOU KEEP YOUR CANCELATION NUMBER, MAKE SURE YOU DO NOT ACCEPT ONE MONTH FREE, MAKE SURE YOU SAY "I ONLY WANT TO CANCEL!" They did cancel my husband's account completely, but not my daughter's or mine. He ended up yelling at the little guy he spoke with, we did not. Maybe that has something to do with it.
Simply put, this is a scam! I would love to find enough people this has happened to and be able to compile a list with the Attorney General from each state so that he can stop this practice. People are having a hard enough time in this economy without having their money stolen. I know I’m not the only one. When they withhold the information that you will be billed after the free month, this becomes a scam. They got my $14.95; do not let anyone have yours.
You can contact me at [protected]@yahoo.com
The complaint has been investigated and resolved to the customer’s satisfaction.
I did a 14 day trial credit report. I made sure to cancel, because had this problem with them before
Truecredit.com has all the markings of a scam. A buried and completely non-functional phone number. No email address. No mailing address. No support. I should have known better, as I advise clients on internet best practices for merchants. Now I can't cancel my account and their phone number just rings and rings.
I was so aggravated I thought about joining one of these class action lawsuit efforts, but buried deep within TransUnion's Service Agreement is a Class-Action Waiver. It reads:
YOU UNDERSTAND AND AGREE THAT NO CLAIM, DISPUTE OR CONTROVERSY MAY BE CONSOLIDATED WITH A DISPUTE OF ANY OTHER PERSON IN ARBITRATION, OR RESOLVED ON A CLASS-WIDE BASIS BY A CLASS ACTION OR OTHER PROCEEDING AND YOU HEREBY WAIVE YOUR RIGHT TO COMMENCE OR PARTICIPATE IN ANY SUCH COLLECTIVE OR REPRESENTATIVE PROCEEDING.
I never want to deal with a credit reporting bureau again. The most fraudulent activity I have ever encountered in my time using eCommerce and the internet is with TransUnion and the credit reporting bureaus themselves. I can only hope that the Attorney General of California or a governing body overseeing Transunion has the authority and willingness to sue Transunion and their "subsidiary" Truecredit.com for the millions of dollars they extort from their "valued customers."
So I was able to get ahold of no one at 10:37 AM EST, so I got on live chat again under their help section. I have posted our conversation.
http://pastebin.com/3kXTZR8N
Thank you for choosing Truecredit.com. A representative will be with you shortly.
You are now chatting with Mandy.
Mandy: Hello! Welcome to TrueCredit. My name is Mandy. How can I help you today?
You: I talked to Corrie and he told me to try to call back at 10:37 EST to get ahold of someone to cancel my account, and I still cannot get ahold of anyone...[protected]..is the number that I am calling
Mandy: I'm sorry to know this.
You: I am calling right now and no one is picking up the phone.
Mandy: We are experiencing some technical issue with the telephone line of our Customer Service and the issue still persists due to which you are unable to speak to our Customer Service Representatives to get your service cancelled.
Mandy: Not to worry. The issue will get fixed within an hour.
Mandy: Could you please try calling our Customer Service department for me after an hour so that you can get this fixed?
You: That is what you said an hour ago. Come to find out this so called "technical issue" you keep telling me about has been going on since July of this year.
You: I want someone to call me...
You: I am tired of trying to get ahold of you people
You: I have tried 2 solid weeks to get ahold of someone to cancel my service
You: and can get ahold of no one.
You: No...you call me. I am not calling you any more.
Mandy: I apologize. We are experiencing this issue only from the morning and I'm sure you will be able to reach them after an hour.
You: My phone number is*****.
You: *****
Mandy: I'm suggesting you to make a call because as I'm from the Chat Service, I do not have the access to call you back or to your account information.
You: I cant give you my phone number...
You: your chat interface wont allow it
Mandy: Due to security reasons, a series of numbers will not be displayed in our chat window.
You: You are suggesting something I have already tried for 2 weeks, and this has been a reported issue since July.
You: Suggest something else. This suggestion you continue to make is insane..
Mandy: Could you please try once for me after an hour and get back to us if you are still not able to reach them>
You: Why continue to try to call a number that no one picks up the phone at.
You: That is one of the most useless things someone can do.
Mandy: Also, I would suggest you to try calling this number through some other number.
You: I will try again at 11:37. If I cannot cancel my service at that time. Someone via live chat will have to cancel it.
You: That is more than fair..
You: 11:37 Eastern Standard Time.
Mandy: May I transfer this chat to my supervisor?
You: Yes
Mandy: Please give me a moment so that I can transfer this chat.
Please wait while I transfer the chat to Mohan.
You are now chatting with Mohan.
Mohan: Hello! Welcome to TrueCredit. My name is Mohan. How can I help you today?
Mohan: Hi. This is Mohan, supervisor.
Mohan: Please give me a moment so that I can have a look at your conversation.
You: I simply want to cancel service with you, and this is impossible via the method you have provided because the phone number you gave to call you at to cancel service with..has no one answering the phone..at that number.
You: I am being told this is a technical issue you have.
You: This issue has been ongoing since July of this year come to find out.
You: That is 4 months.
Mohan: I apologize for the difficulty caused to you due to this issue.
You: People even report that even when they cancel service with you...that they are still billed for service when the month is up.
Mohan: As we are from the Chat Service, we have been provided access only to navigate through our website and to help you with the information about the services offered through our website.
You: What is amazing is that you all know this issue persists, and yet continue to suggest it as an alternative to cancel your account.
Mohan: To get your service cancelled, our Customer Service department is the only place which you will need to call to get your service cancelled.
You: There is no way to cancel service that way, as no one is picking up the phone to cancel service.
You: You will have to provide another means because that one is not working...has not been working since at least that we know of July of this year..
Mohan: I understand your situation.
Mohan: Please give me a moment./
Mohan: Thanks for your patience.
Mohan: Based on your issue, I will help you with online link through which you can send your request to call back so that they may call you back to address your issue.
Mohan: Will that be okay for you?
You: We can try it...
You: We will see what it will do..
Mohan: Please click on the below link through which you can get the page.
Mohan: Please click here
You: http://www.transunion.com/corporate/personal/consumerSupport/faqs/submitQuestion.page
Mohan: Yes. You are correct.
You: Here is the message I left:
You: I would like to cancel my account and have been unable to reach anyone at the number you have provided to cancel service with. I have been in touch via live chat with a supervisor and they told me to try to contact you via this method to cancel service.
Mohan: Great. You will get response on this within 2 days.
You: You all only give people 5 or 7 days to cancel. If no one can reach you before that time is up, do you go on and bill them anyway?
You: It appears that you do..
You: I had to shut off my credit card to prevent from being billed..
Mohan: I understand your concern completely. Not to worry. Your card will not be billed and even if it is billed, it will be refunded to your account since your cancel request will be under process.
You: Ok, thank you Mohan
You: Well..we will see if they will contact me within 2 days..
Mohan: I appreciate your patience.
You: Until then, is this the only way to get ahold of you..or do you have a direct number of any kind?
Mohan: No. This is the only contact number of our Customer Service department.
Mohan: Also, you may try calling this number so that you can get the service cancelled immediately if you get connected to our representatives.
You: Ok, so this is the only number we can reach you at...[protected].
You: Although no one picks up the phone at this number.
Mohan: I'm sorry. Please try calling this number after an hour so that you will be able to speak to our representatives.
You: ok thank you..
Mohan: You are most welcome.
So I am trying to call them again here. It is now 10:39 EST and the phone still does nothing but ring off the hook. So I went to chat a live agent again..and here is the extent of our conversation.
Thank you for choosing Truecredit.com. A representative will be with you shortly.
You are now chatting with Mandy.
Mandy: Hello! Welcome to TrueCredit. My name is Mandy. How can I help you today?
You: I talked to Corrie and he told me to try to call back at 10:37 EST to get ahold of someone to cancel my account, and I still cannot get ahold of anyone...[protected]..is the number that I am calling
Mandy: I'm sorry to know this.
You: I am calling right now and no one is picking up the phone.
Mandy: We are experiencing some technical issue with the telephone line of our Customer Service and the issue still persists due to which you are unable to speak to our Customer Service Representatives to get your service cancelled.
Mandy: Not to worry. The issue will get fixed within an hour.
Mandy: Could you please try calling our Customer Service department for me after an hour so that you can get this fixed?
You: That is what you said an hour ago. Come to find out this so called "technical issue" you keep telling me about has been going on since July of this year.
You: I want someone to call me...
You: I am tired of trying to get ahold of you people
You: I have tried 2 solid weeks to get ahold of someone to cancel my service
You: and can get ahold of no one.
You: No...you call me. I am not calling you any more.
Mandy: I apologize. We are experiencing this issue only from the morning and I'm sure you will be able to reach them after an hour.
You: My phone number is*****.
You: *****
Mandy: I'm suggesting you to make a call because as I'm from the Chat Service, I do not have the access to call you back or to your account information.
You: I cant give you my phone number...
You: your chat interface wont allow it
Mandy: Due to security reasons, a series of numbers will not be displayed in our chat window.
You: You are suggesting something I have already tried for 2 weeks, and this has been a reported issue since July.
You: Suggest something else. This suggestion you continue to make is insane..
Mandy: Could you please try once for me after an hour and get back to us if you are still not able to reach them>
You: Why continue to try to call a number that no one picks up the phone at.
You: That is one of the most useless things someone can do.
Mandy: Also, I would suggest you to try calling this number through some other number.
You: I will try again at 11:37. If I cannot cancel my service at that time. Someone via live chat will have to cancel it.
You: That is more than fair..
You: 11:37 Eastern Standard Time.
Mandy: May I transfer this chat to my supervisor?
You: Yes
Mandy: Please give me a moment so that I can transfer this chat.
Please wait while I transfer the chat to Mohan.
You are now chatting with Mohan.
Mohan: Hello! Welcome to TrueCredit. My name is Mohan. How can I help you today?
Mohan: Hi. This is Mohan, supervisor.
Mohan: Please give me a moment so that I can have a look at your conversation.
You: I simply want to cancel service with you, and this is impossible via the method you have provided because the phone number you gave to call you at to cancel service with..has no one answering the phone..at that number.
You: I am being told this is a technical issue you have.
You: This issue has been ongoing since July of this year come to find out.
You: That is 4 months.
Mohan: I apologize for the difficulty caused to you due to this issue.
You: People even report that even when they cancel service with you...that they are still billed for service when the month is up.
Mohan: As we are from the Chat Service, we have been provided access only to navigate through our website and to help you with the information about the services offered through our website.
You: What is amazing is that you all know this issue persists, and yet continue to suggest it as an alternative to cancel your account.
Mohan: To get your service cancelled, our Customer Service department is the only place which you will need to call to get your service cancelled.
You: There is no way to cancel service that way, as no one is picking up the phone to cancel service.
You: You will have to provide another means because that one is not working...has not been working since at least that we know of July of this year..
Mohan: I understand your situation.
Mohan: Please give me a moment./
Mohan: Thanks for your patience.
Mohan: Based on your issue, I will help you with online link through which you can send your request to call back so that they may call you back to address your issue.
Mohan: Will that be okay for you?
You: We can try it...
You: We will see what it will do..
Mohan: Please click on the below link through which you can get the page.
Mohan: Please click here
You: http://www.transunion.com/corporate/personal/consumerSupport/faqs/submitQuestion.page
Mohan: Yes. You are correct.
You: Here is the message I left:
You: I would like to cancel my account and have been unable to reach anyone at the number you have provided to cancel service with. I have been in touch via live chat with a supervisor and they told me to try to contact you via this method to cancel service.
Mohan: Great. You will get response on this within 2 days.
You: You all only give people 5 or 7 days to cancel. If no one can reach you before that time is up, do you go on and bill them anyway?
You: It appears that you do..
You: I had to shut off my credit card to prevent from being billed..
Mohan: I understand your concern completely. Not to worry. Your card will not be billed and even if it is billed, it will be refunded to your account since your cancel request will be under process.
You: Ok, thank you Mohan
You: Well..we will see if they will contact me within 2 days..
Mohan: I appreciate your patience.
You: Until then, is this the only way to get ahold of you..or do you have a direct number of any kind?
Mohan: No. This is the only contact number of our Customer Service department.
Mohan: Also, you may try calling this number so that you can get the service cancelled immediately if you get connected to our representatives.
You: Ok, so this is the only number we can reach you at...[protected].
You: Although no one picks up the phone at this number.
Mohan: I'm sorry. Please try calling this number after an hour so that you will be able to speak to our representatives.
You: ok thank you..
Mohan: You are most welcome.
No I found Truecredit through http://bigcash.zipnadazilch.com, and can confirm this in November. This issue still persists. I got ahold of a live agent and this is what they told me. Can someone say.."bull butter"?
Thank you for choosing Truecredit.com. A representative will be with you shortly.
You are now chatting with Corrie.
Corrie: Hello! Welcome to TrueCredit. My name is Corrie. How can I help you today?
Corrie: Hi, May I know whom am I chatting with?
You: Richard
Corrie: Hi Richard. How are you?
You: great how are you
You: I need to cancel my service
You: I have been unable to call you by phone
Corrie: I'm sorry. To cancel your account, you have to call our customer care. I can get you the contact number.
You: This is the information I have. Is this correct?
Corrie: Unfortunately I have no access to cancel your account from my end since I'm from online chat support.
You: https://www.truecredit.com/contact.jsp
Corrie: Yes. You have the correct URl to contact our customer care.
Corrie: If at any point you would like to cancel your membership, all you need to do is call our customer service department at [protected]. Representatives are available Monday through Thursday, 8 a.m. till midnight and Friday through Sunday, 8 a.m. to 8 p.m. Eastern Time.
You: That phone number on that page goes absolutely nowhere..I have called that number many times and have been able to reach absolutely no one. It rings off the hook
You: No agent ever picks up the phone to be able to cancel the service
Corrie: I apologize for that. It is the correct number only. I'm afraid, it could be a technical issue. Not to worry. Please call our customer care after an hour. I'm sure you will be able to talk with a live representative to cancel your service.
You: ok I will try in 1 hour from now. That would be 10:37 EST.
Corrie: Thanks for your patience!
confirm on razmanugget's problem. I'm trying to cancel by calling the stated numbers. Got no answer after constantly calling that number for the pass 4 days.
STAY AWAY from TrueCredit. It's a SCAM!
Signed up 6 days ago for 7 day trial, only to discover hundreds of complaints online about this service. After reading I promptly tried to cancel today and must say the process was difficult.
First of all, for being affiliated with "TransUnion" I am shocked at practices being enacted on the TrueCredit website:
1) There is no account cancellation link ANYWHERE in the website (when you're logged in.
2) There is no account cancellation info on the "Frequently Asked Questions" page
3) The "Contact Us" link is buried under several pages, and finding it took some time. Websites & companies with GOOD PRACTICES will put a "Contact" link/button in a main navigation bar and/or at the bottom of every web page. NOT TrueCredit.com. They purposely hide the Contact link under several pages making people work to try to find a contact phone #.
4) I called the phone # to cancel, and admit I felt uncomfortable giving a lady that I could barely understand my full social security number. I grew very frustrated as I could not understand what the heck she was saying mostly. But she did say that my account was cancelled "immediately", but it was not. I called back an hour later and spoke to another rep (also foreign, but could understand him a little better). He apologized and said he would "file a complaint" on my behalf (yeah right) and cancelled my account. I asked him why I didn't receive a confirmation email and he said "it would take 24-48 hours to receive notification that the account was cancelled today. 1-2 days? So then my 7 day trial will be up and my card will probably be charged still. Wonderful.
5) Your credit card information STAYS on the website, even after “cancelling” your account. Customer service rep said that there is “no way" to delete my information, but assured me that my account was still "cancelled".
Fortunately I read a tip somewhere that someone updated their credit card info with a cancelled debit card they still had. Fortunately, I had a cancelled credit card on hand and quickly updated my TrueCredit account with the old CC info. So if they DO try to charge me, it won't go through.
What a friggin pain. And they're associated with TransUnion? TRUE CREDIT IS AWEFUL!
I called on 6-26 to inquire why I was charged $14.95 within 2 weeks. When the representative informed me they only showed one charge on their side ( my bank statement clearly shows 2) and that I would have to get a certified letter from the bank showing that I had indeed got charged twice in order to receive a refund. After going in circles with her, I decided just to cancel my membership. The lady did so without hesitation and I thought it was settled. WELL, tonight I see they have taken $14.95 from my bank account again! When I called, the rep said that he could see I wanted my account cancelled, but the rep did not initiate it. And in order to receive a refund I have to talk with my bank. WTH?! This place needs to be sued, they are SCAMMERS!
I just signed up for the free report 2 days ago and immediately tried to cancel the service to avoid the $14.95 monthly fee. Well, the numbers I have are bogus. Both [protected] and [protected] are never answered. I've called over 30 times and after 2 minutes, each call is disconnected. I've already filed a complaint with the BBB and have sent multiple emails. What a waste of my time.
If you have another number to reach them, please post it here. In the meantime, I swear Transunion / Truecredit is a complete SCAM. Don't trust them for anything.
rami
unathorized charges
More unauthorized credit card charges. They refunded 2 months worth but I am demanding all of it back. I have submited a complaint to the FTC and will also at the Attorney General for Ca. hey cannot prove I agreed to any charges at all.
The complaint has been investigated and resolved to the customer’s satisfaction.
True Credit billed my checking account after I had canceled their service and closed my account. Their response four months later was to prevent my checks from clearing at merchant accounts through Telecheck. All for $9.95 without any advance warning whatsoever. I paid the $9.95 by electronic check to get them to go away. They gave me a toll free number to call to "cancel" my account again ... the number is a dating site. What a great group of scam artists!
I'm new here, I'm sorry. Why were they saying they were billing you at True Credit. They took money from me after I canceled my account. jeanabaraga@yahoo.com Use the subject "True Credit" Thanks!
Scam charges
Truecredit.com (by Transunion) offers a monthly monitoring service ($14.95)to protect your credit. I subscribed and then tried to stop the monthly service. It took me several tries to end the service and the monthly fees continued; how to cancel is not on any of their websites and a phone number is very very difficult to find. When I finally did contact a service rep, I was told the way to cancel was to go to my credit card information and enter all zeroes! I still cannot find a phone number (domestic USA) to call & lodge my complaint. Their service reps are out of country.
It is clearly a deliberate action on their behalf so that once you start the service it is extremely difficult to end it. You would think that a credit reporting agency (Transunion) would be more forthright and not have to resort to such underhanded tactics to its customers.
The complaint has been investigated and resolved to the customer’s satisfaction.
Fraud and scam!
I am trying to refi. So I thought the $15.95/month deal from truecredit.com (aka transunion) would be great, it allows me nearly unlimited access to my credit reports from all three agencies and my scores from all three agencies. But the scores are not real FICO scores. They are some normalized estimate based on an unknown secret recipe of truecredit. FICO scores are also secret recipes but each of the 3 reporting agencies has a repeatable way of calculating its FICO product, for instance Equifax can provide a BEACON 5 FICO score, Experian can provide a Fair Isaac V2, and TransUnion can provide a FICO Classic 2004.
Which of these scores do you get when you order your 'credit score' from truecredit.com? None of them. So the scores that you bought from TransUnion (truecredit) do not even reflect the same scores that TransUnion will report to possible lenders.
To illustrate my experience, on the exact same day, a lender queried TransUnion for my 3 scores, and there was a 28 point difference between the lowest score that truecredit reported to me and the lowest score that TransUnion reported to the querying lender. Additionally, none of the three scores matched. 28 points is a huge difference in the credit score market.
They do have a disclaimer: 'the credit score provided here is not a so-called FICO score. The credit scores of TransUnion may not be identical in every respect to any consumer credit scores produced by any other company.' But then what is 'the credit score' that they provide? It is a guess and not too accurate at that, and even the TransUnion score was not identical to the TransUnion score reported to the possible lender (on the same exact day). So truecredit is misleading and possibly downright lying to their customers with these numbers.
The complaint has been investigated and resolved to the customer’s satisfaction.
They, said that it was free, on website and doesnt show any trial saying they would bill me 21.00 I only received, 1 score not three I received the one for transunion, and then they billed me a week later I called yelling telling them look they told me on the website that it was a dollar, to get your scores, I told her the woman did have a foreign accent, she knew I was upset I told her I want my money back, that it never even showed or said anything about a trial term, I then asked her did this company get alot of complaints, she asked why I wanted to know that, I had to ask her the question twice before she answered, I told her that they way the website poped up when i was, on another website, it was vague and misleading and asked am I the only one complaining, she might felt sorry for me, I said to to her I want my money bk at first she tried saying she wd cancel service then I said yeah, but I want my money bk you cant just run my card and just take my money I suggest, that all of you guys call your banks and tell them to give you new debit cards because all these people want is your money, and from all the complaints Ive' read every last one was wrong do give them another dine call your bank or go down to local bank get a temp. Atm card and then your bank will send you a new one aleast you"ll have a atm card to get money out when you need it dont support them fake comp. Someone should call transuion and tell them break ties with them tranuion probaley now whats going on I sure im sure, its all about the money these days,
I made a major life decision to relocate to a new job based on my cedit score from Zendough, only to findout that I can't get a loan due to the huge discrepany in my credit scores. As much as 140 point difference has me unable to buy a home and in jepardy of not even being able to rent an apartment. While I had some financial trouble in the past, I have paid my debt, but now my REAL scores are too low because I don't owe any money and haven't used my credit for to long. Pretty stupid that I can't borrow money because I don't owe enough. I will be cancelling my membership immediately.
Signed up 6 days ago for 7 day trial, only to discover hundreds of complaints online about this service. After reading I promptly tried to cancel today and must say the process was difficult.
First of all, for being affiliated with "TransUnion" I am shocked at practices being inacted on the TrueCredit website:
1) There is no account cancellation link ANYWHERE in the website (when you're logged in.
2) There is no account cancellation info on the "Frequently Asked Questions" page
3) The "Contact Us" link is burried under several pages, and finding it took some time. Websites & companies with GOOD PRACTICES will put a "Contact" link/button in a main navigation bar and/or at the bottom of every web page. NOT TrueCredit.com. They purposely hide the Contact link under several pages making people work to try to find a contact phone #.
4) I called the phone # to cancel, and felt uncomfortable giving a lady that I could barely understand my full social security #. I grew very frustrated as I could not understand what the heck she was saying, monstly. But she did say that my account was cancelled immediately, but it was not. I called back an hour later and spoke to another rep (also foreign, but could understand him a little better). He apologized and said he would "file a complaint" on my behalf (yeah right) and cancelled my account. I asked him why I didn't receive a confirmation email and he said "it would take 24-48 hours to receive notification that the account was cancelled today. 1-2 days? So then my 7 day trial will be up and my card will be charged. Great.
Fortunately I read a tip here that someone updated their credit card inforamtion to an old card #. Fortunately I had an old/cancelled credit card stored away and updated my TrueCredit account with the old CC info. So if they do try to charge me, it won't go through.
What a friggin pain. And they're assocated with TransUnion? TRUE CREDIT IS AWEFUL!
I have had nothing but problems with Truecredit. I think they are misleading to say the least... scamming is more accurate. The report was unnecessarily confusing and had in a flurry of worry all morning (unnecessarily).
There customer service reps are very "foreign" and difficult to understand (they must be saving a buck or 2 there!)
AND - They did not cancel my trial membership when they assured me that they had!
I wish that these reviews about them were easier to find - so others do not make the same mistake. I am going to post a complain on Epinions too and I encourage others to do the same.
DONT WASTE YOUR MONEY THIS SERVICE SUCKS AND THEY WILL NOT REFUND YOUR MONEY. THEY SHOULD HAVE CRIMINAL CHARGES BROUGHT UP AGAINST THEM.
What people need to understand is that TransUnion does not use the FICO scale (which goes up to 850) they use something called the "Vantage Scale" which goes to 990 so it's a very misleading and deceptive tactic and makes your "score" look inflated. The only place to get your true FICO credit scroe is from myfico.com
DO NOT SIGN UP FOR 7 DAY FREE TRIAL AS THEY WILL NOT CANCEL EVEN IF YOU CALL THEM. TRUECREDIT SUCKS.
Resently applied for refi, and lenders scores were lower than truecredit scores, on the same day! Was told by several lenders that truecredit scores are "consumer" scores, and do not accurately reflect your real scores. So basicly we (my wife and I) have been pissing away $30 a month for about (4) years, to recieve bogus info. We were still able to refi, but I am not at all happy about this scam that truecredit is running, and I intend to report them to the BBB, Texas AG office, and local consumer reporters.
BEWARE -- SCAM ARTIST --- 1/5/2011 9:30 a.m. -- I signed onto True Credit.com. Login went well until I got to a blurred screen fronted with a window asking me to "Click Here To Sign Up" for who knows what and no prices visible. I called the 800 number and spoke with "Noel" (with a a lovely accent) to ask him how to by-pass this screen without signing up for anything because all I wanted was a free credit report. - He put me on hold three times and I began to get suspicious. When I asked him where I was calling, he told me he is not "allowed to discuss that information". I asked if I was calling inside the United States and got the same answer. I then asked him if I was calling OUTside the United States and he said yes, but couldn't way where I was calling. NICE, huh?
I then asked to speak with a supervisor. I asked him the same question and received the same answer, but this one would not even tell me if I was calling outside the United States.
The first words out of both their mouths were "Thank you for calling True Credit. What is your social security number?" Thank God I didn't give it to them! So ... think about it, they are outside the United States, speaking with an accent, they have access to the website where the social secuity numbers of each contact is accessible to them, and when you call to question anything, the first thing they ask you for is your social security number and won't divulge ANY information about the company they work for. BEWARE - BEWARE - BEWARE !
Same here as "Stay Alway". Just went to go get a car, TrueCredit showed my scores as being 711, 713, and 735. Car dealer showed scores lower (in one case 100 points lower) than True Credit. "True" Credit. Been a customer of theirs for over 5 years, never did much with my credit just wanted to watch out for fraud. Now the only fraud I have seen, is by True Credit themselves. Canceling this service, and investigating into seeing if what they are doing is legal.
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TrueCredit emailscompliance@truecredit.com100%Confidence score: 100%Support
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TrueCredit address100 Cross St Ste 202, San Luis Obispo, California, 93401-7570, United States
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