I've tried to sign up for Equifax Gold last night -- got an error talked with customer service they told me my credit report was too big so they could not help me. So today, from reading all the true credit posts I went in for that and it told me "Unfortunately, Credit Monitoring services are currently unavailable. You will not be charged for this order, and we apologize for the inconvenience" anyone else having trouble like this?
Southpaw75 said:One odd thing I noticed....
Before signing up for this Key Bank deal, I've been using TC for the last 1.5 months. I've only been able to bump 1 inq off of TU. My inquiries have been TU:9, EX:8, EQ:5 for the last 2 weeks.
I just viewed my Key Bank/PrivacyMatters report for the first time...it shows TU:5, EX:6, EQ:0
When I scroll down to view the actual inquiries that companies made, I can see Equifax inquiries. Why is it saying 0 at the top when at the bottom there are obvious inquiries on my EQ report?
And also why is it such a big difference in the number of inquiries between TC and PM? Weird.
All these services are poorly designed. In the summary part in the top the KeyBank PM service calculates the inquiries incorrectly (for me, in the summary part it only shows inquiries for last 2 years). IN the bottom it lists EACH inquiry correctly.
In your case, I don't know what the problem is. Could it be that your inquiries got bumped off?
NC Identity Protect is down for me at this moment.
Trouble at after dealpass verification and then back to NC Identity website.
I hope that is not how they disconnect this service....
Logging in has become more buggy and took 20-30 tries as of yesterday. I still haven't got back in as of today. Anyone try calling customer service? I'm hesitant since I'm not a nat city customer.
Venturion said:Logging in has become more buggy and took 20-30 tries as of yesterday. I still haven't got back in as of today. Anyone try calling customer service? I'm hesitant since I'm not a nat city customer.Yeah I've called them a few times, no problem whatsoever. They just ask for your NC Identity Protect Member ID#.
I received the letter with membership id couple days ago, tried to login today, it said to contact membership services.
When I called they said that my account has been cancelled on august 10th....
Has anyone of the recent signees experienced that?
i guess there's a reason this "service" is so cheap.
i'm still rocking, but it's not exactly bulletproof. always feel like my next pull might explode the site.
does anyone how to create alerts using this service? I see a "view alerts" page but I can't find where you can create alerts!
I'm mainly using this just for monitoring credit status.. The whole site navigation seems a bit cumbersome .. I can't even change my payment method on the site. 
Is this only good for b*? Should I sign up for a better, more intuitive credit monitoring service instead? Any advice is appreciated as I'm pretty new to this!
vladgur said:I received the letter with membership id couple days ago, tried to login today, it said to contact membership services.
When I called they said that my account has been cancelled on august 10th....
Has anyone of the recent signees experienced that?
Did they say why?
whyshy said:does anyone how to create alerts using this service?
I was confused about this also, and I think the alerts come automatically if something material changes about your CR.
therivler1 said:whyshy said:does anyone how to create alerts using this service?
I was confused about this also, and I think the alerts come automatically if something material changes about your CR.To get to National City's Guide to Understanding Alerts page, follow these steps: once you access your new report, from your Welcome page click Credit Center (top); from there click Credit Alerts (top); next click Understanding Alerts (left side of the page just beneath View Credit Alerts).
Guide to Understanding Alerts
Our Credit Alerts service automatically scans your credit data on a daily basis and sends you email notifications when something changes. Depending on your subscription level, our Credit Alerts either monitor your TransUnion credit report or all three of your reports from TransUnion, Equifax and Experian.
Email notifications are sent the same day that something changes in your credit data. An alert can be triggered by one of several types of credit changes including address changes, new inquiries, posting of negative information such as late payments, new account openings, public record postings and other factors such as name changes or fraud alerts.
Customers with Credit Alerts that monitor all three credit reporting agencies may note that alerts are not always sent for all three agencies at the same time. Each of the credit bureaus maintains your records independently and may not make the same updates at the same time. Additionally, some records (such as inquiries) may be posted on only one of your credit reports.
Southpaw75 said:One odd thing I noticed....
Before signing up for this Key Bank deal, I've been using TC for the last 1.5 months. I've only been able to bump 1 inq off of TU. My inquiries have been TU:9, EX:8, EQ:5 for the last 2 weeks.
I just viewed my Key Bank/PrivacyMatters report for the first time...it shows TU:5, EX:6, EQ:0
When I scroll down to view the actual inquiries that companies made, I can see Equifax inquiries. Why is it saying 0 at the top when at the bottom there are obvious inquiries on my EQ report?
And also why is it such a big difference in the number of inquiries between TC and PM? Weird.
all the resold TrueCredit sites display inquiries in the past 6 months, not 2 years
choe said:
all the resold TrueCredit sites display inquiries in the past 6 months, not 2 yearsMy Identity Protect service clearly states "INQUIRIES(2 years):"
Venturion said:choe said:
all the resold TrueCredit sites display inquiries in the past 6 months, not 2 yearsMy Identity Protect service clearly states "INQUIRIES(2 years):"
i meant that in the summary that lists the number of inquiries on each report. at the bottom, all hards on the report is listed
choe said:i meant that in the summary that lists the number of inquiries on each report. at the bottom, all hards on the report is listed That's what I meant too. I took it from the top of the page. Do you use Identity Protect? Maybe we are referencing two different areas?
Venturion said:choe said:i meant that in the summary that lists the number of inquiries on each report. at the bottom, all hards on the report is listed That's what I meant too. I took it from the top of the page. Do you use Identity Protect? Maybe we are referencing two different areas?
no keybank's myprivacymatters.. which is what the poster referred to
choe said:no keybank's myprivacymatters.. which is what the poster referred to
Okay, then you might not want to lump in all TrueCredit private label products as that's clearly not the case.
choe said:all the resold TrueCredit sites display inquiries in the past 6 months, not 2 years
Venturion said:choe said:no keybank's myprivacymatters.. which is what the poster referred to
Okay, then you might not want to lump in all TrueCredit private label products as that's clearly not the case.
choe said:all the resold TrueCredit sites display inquiries in the past 6 months, not 2 years
crap, didn't realize i said all... just used to saying all TC had the 24+1 rule.
chaalu said:ChumChurum said:chaalu said:I signed up with National City with a Chase Visa a few days ago. Got my membership letter today. But I couldn't Login. After talking to Customer Service was told that this service will be discountinued and my money returned.
Any reason given?
Nothing specific, just that this program is being 'phased out' (those were her words).
Just wondering if same is being done for Key Bank Program. Anyone???Very interesting, as I just received another mail solicitation to sign up for the National City Identity Protect service TODAY! I do have a NC credit card, and the offer does refer to automatically billing my "Natl City card account ending in XXXX".
After several days of inactivity, I logged to the KeyBank credit reporting / monitoring site and discovered that they have changed it. While the essential functions remain (pull all 3 daily), the true credit version being presented is now the same as the Natl City one. I kind of liked the Key Bank one because you could get your new report in 2 steps: (1) logon, (2) press agree.
The Natl City one requires two logon attemps to properly refresh: (1) logon, (2) refresh using multiple clicks, (3) logout, (4) logon again to see the refreshed result.
I also did some tests (pull actual report, check how soft pull is recorded):
1. On Experian,
- KeyBank program is coded as: TrueCredit/COVERDELL MY
- Natl city program is coded: TrueCredit/COVERDELL MY
2. On Equifax,
- KeyBank program is coded as: TrueCredit/VERTRUE
- Natl city program is coded: TrueCredit/VERTRUE
This means that there is no longer any additional advantage of keeping both KeyBank and Natl City.
I believe tru3cr3dit might have realized that coding the KeyBank program that way cannibalized their existing customers, so they changed it.
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