*phew* my last EQ inquiry just bumped last week. I'm too busy to pull every day now.

Just got my cancellation email:

at WalMart discount rate -- yes

how often you pull -- 6-7 a week

how long you've pulled -- 3 months

if you did an AOR recently -- Mini AOR about 1 year ago

82 pulls and I had 3 EQ inquires left to bump

The 11.21 charge just posted to my credit card yesterday.

UnixLab said:Is Privacy Matter 123 a resale of True Credit ?
I guess now if you do a trial with AMX might be able to see a clear picture.
And have you try free credit report on Equifax to see if your EQs are really all gone.

UnixLab, I presume this is addressed to me:
1) yes PrivacyMatters is TrueCredit with a different faceplate
2) I'd like to leave AMX trial for later time
3) I pulled my free yearly EQ report in March'07, so I cannot do it right now

The fresh TU report (via PrivacyMatters) has all the TU hards in the last 2 years back, all EQ hards are not there (= seem to be truly gone, or EQ has not bothered yet to put them back).

MikeR397 said:Only 6 more EQ inturies to bump, please let me make it TrueCredit! (Already bumped 17 TU and 3 EQ, just need to make it for 6 more days!!!)

sounds like they are just putting those inquires back when they terminate you.

It's not as if b* was illegal or anything like that. It's a software bug caused by the incompetence of TU and Eq.

Paying True Credit for unlimited usage entitles you to not have your usage level monitored or investigated. The value of what True Credit was selling, unlimited usage, is not just in the actual amount you use, but also in the peace of mind that comes from knowing they aren't monitoring or investigating your usage level.

By selling you that peace of mind, with the intent of stealing it from you, True Credit became the bad guys. Lots of bad guys think they're good guys, such as those who steal from the rich to give to the poor, and those who commit acts of terrorism in the name of fighting for freedom. True Credit thinks that by selling peace of mind and then stealing it back, they're fighting against people who abuse the b* bug.

If TU wants to fight against people who abuse their b* bug, the legally proper way to conduct such a fight is to fix the bug. Anything else is a misguided fight, just like terrorism etc. are. It would not surprise me at all if someone gets millions of dollars in punitive damages from them for this.

9000 said:It's not as if b* was illegal or anything like that. It's a software bug caused by the incompetence of TU and Eq.

So?


Paying True Credit for unlimited usage entitles you to not have your usage level monitored or investigated. The value of what True Credit was selling, unlimited usage, is not just in the actual amount you use, but also in the peace of mind that comes from knowing they aren't monitoring or investigating your usage level.

That is just weird. They did not promise you peace of mind, and they did not promise they would not track your usage. Where on earth did you EVER get that idea.

 


If TU wants to fight against people who abuse their b* bug, the legally proper way to conduct such a fight is to fix the bug. Anything else is a misguided fight, just like terrorism etc. are. It would not surprise me at all if someone gets millions of dollars in punitive damages from them for this.

Your statement indicates that by not having some people as customers they are doing something illegal. I don't see it. They do not have to have you as a customer. I am still a customer, I can still pull every day. Everyone who was a customer or is a customer can pull every day.

It may not surprise you but it will never happen. There is no case as it relates directly to the bumping, account cancellation issue.

Tell me why you think TrueCredit is obligated to keep you as a customer, especially if they think you are doing something shady? They don't have to keep you as a customer because they don't like your hairstyle or sock color. Thinking they have to keep you as a customer when you continually do something that harms the business of their parent company is simply naive.

I got canceled today. Two emails--one said:

Email from TC said:Excessive access to a member's credit report can indicate potential fraud or an attempt to tamper with the credit scoring system.

2nd Email from TC said:We're sorry that you've decided to cancel your Credit Monitoring subscription . . .

Funny, since I didn't choose to cancel!

I managed to bump about 10 hard inquiries, eliminating all the EXP and EQ hard pulls I had. I was a subscriber from March until today. I really have no reason to want the service anyway, as only TU inquiries remain, and my next AOR isn't scheduled until May 2008.

I used the Wal-Mart link, and was charge correctly, until 8/30, when I was charged $14.95. I am going to call next week during business hours (9-5 Pacific) and request a refund.

Thanks, FWF, for the head's up. It was fun while it lasted.

cashonlyplease said:I pulled pretty much daily from early May till late August when I was canceled. I had the WalMart discounted price of $11.21. I know people have been canceled who paid full price and pulled at most weekly. I had a little more to do so I enrolled at the $14.95 price about 10 days ago. Been pulling daily so far still able to access. I am going to cancel after my month is up as there is nothing left to do. Dropping off EQ like flies now 1 left. I have the CIP product with a free 30 day then $11.99 monthly. I will pull that once or twice monthly to monitor the reports. They might be canceling alphabetically since I was one of the first to go. Funny they still advertise daily pulls as a part of the service. I thought they would have changed that by now.
My surname is about 70-80% of the way towards the end of the alphabet, and I have not been canceled yet. If I get canceled, I might try signing up again, on the theory that it might take them a long time to cycle back through the whole alphabet to get to me again. I'm not presently pulling daily, but, if they cancel me and I sign up again, I will start pulling daily just to see what happens.

I assume they are going to cancel me also. I got hit with a $14.95 charge late last week and suspected something was happening since I was using the WalMart link. Since Apr-07 I had approximately 80 softs that I could see via the EQ Credit Monitoring service. Over the last 2 weeks, I've noticed the number of TrueCredit soft pulls declining in number. I'm down to 74 and got the "can't access your account" message when updating today. I called customer service and they told me I had to call another # for assistance - 866-215-0740. Of course when I called, the message stated the office was closed and said to call back. In typical TC stellar customer service, they didn't bother to state what their office hours were. I'll call tomorrow and see what they say.

I'm a member of Chase Id protection, so I wonder if they will cancel me also.

LUGreek said:I assume they are going to cancel me also. I got hit with a $14.95 charge late last week and suspected something was happening since I was using the WalMart link. Since Apr-07 I had approximately 80 softs that I could see via the EQ Credit Monitoring service. Over the last 2 weeks, I've noticed the number of TrueCredit soft pulls declining in number. I'm down to 74 and got the "can't access your account" message when updating today. I called customer service and they told me I had to call another # for assistance - 866-215-0740. Of course when I called, the message stated the office was closed and said to call back. In typical TC stellar customer service, they didn't bother to state what their office hours were. I'll call tomorrow and see what they say.

I'm a member of Chase Id protection, so I wonder if they will cancel me also.

FYI - Business hours are 9am PST at the mysterious 866-215-0740 b* interrogation number. Not 7am as the TC customer service rep told me.

I got the same story asking how often I pull my reports, why do I pull so often. I answered that I was doing what TC advertised to monitor my scores. That was it. No mention of b* by the rep. I was then told I'd get an email in 3-5 days from the fraud dept after they had reviewed it. They are clearly working from a script.

I also asked why was I billed at a higher rate and the rep stated he would refund the $14.95 since I couldn't use the service for the next few days. I assume this is to get rid of the $11.21 billing rate. When I protested just to refund the difference, I was told the total amount was already refunded...