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I was signed on these boards in January and February indicated with TrueCredit. Since then I've increased the available credit of over 100k and reduced my load to below 15%. With no more apps on the horizon . at least for 4-6 months and scores remain stable, I decided there are better ways to use the $ 25/month. So I canceled both today.
Freedom! No more “Is it 24 hours + 1?” For me! No more “Do I have moved today?” I'm done!
I plan to switch to pull my reports and ratings . probably one every 3-4 months but no longer a day and no more app orgies. INQ's today are 0 TU, 3 EQ and 3 EX.
Best Answer: Quotes Of Inspiration
Realtors are state licensed and governed – contact that state office. You do not mention any written documents – another bad sign. She has a blank piece of dirt that is not usable for your purposes without improvements or alterations. Run away from this deal. Throw yourself on the mercy of your current park manager and request a month to month. Your only leverage is her real estate license that can be taken if she does not adhere to acceptable legal practices. Just because she is know in town do not assume she is ethical.
A friend was trying to sell a mobile home and lot for months – when he checked on the place he found that the real estate agent had her own son living there for free. Ethics is a personal thing having nothing to do with ones title.
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Reply: I would still check my reports every once in a while if I were you… you can never be too careful.
Remember too that you can do that for free if you don't mind going off paper copies instead of online. Just call the automated numbers and say you have been denied credit. As long as your file has a recent INQ (doesn't have to be a hard either — A/Rs work) they don't know any differently and their computer will happily mail one out.
No reason to feed the monsters to monitor your credit
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Reply:I check my accounts daily and intend on running Myfico.com 2-3 times per year just to verify. I know, if I run it 3 times per year with the discount it still is within 20 bucks of just having TC for one year straight but I also want to see my score.
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Reply: I don't advise going without monitoring. At the very least you should be checking activity on accounts(online) very often…
I totally agree
That's why I still have CS
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Reply:I don't advise going without monitoring. At the very least you should be checking activity on accounts(online) very often…
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Reply:thanks SG! done!
i'll deal with weird way that CS does their layout. i just hate TC
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Reply:
The TU issue with CS is soooooooo annoying. I don't even look at "credit history" section on CS because it gives me a migraine trying to piece everything together. Everything else about CS is better IMO.
Yeah it is…It's my major gripe with CS.
I hope they fix it, overall I do think its the better monitoring service between the two.
Plus my CS FACOs are higher……
Mine are higher too 767 is the LOWEST…
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Reply:
I would still check my reports every once in a while if I were you… you can never be too careful.
I have not given up Amex, but TC is long gone as is Myfico Eq. score watch (this one ran my blood pressure up). I will still watch over my credit very closely my getting my 3 free annual and perodic pulls.
I also plan to keep AMEX CS, and drop TC and MyFico SW as soon as I get rid of these last inqs.
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Reply: The TU issue with CS is soooooooo annoying. I don't even look at "credit history" section on CS because it gives me a migraine trying to piece everything together. Everything else about CS is better IMO.
Yeah it is…It's my major gripe with CS.
I hope they fix it, overall I do think its the better monitoring service between the two.
Plus my CS FACOs are higher……
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Reply: My reports were once dirty so I need to keep a monitoring service to keep an eye out for any problems that may reappear down the road.
I'm going to be keeping one, I currently have both.
TCs layout is somewhat better with everything showing up on one line. Also the fact you can judge when the creditors will update. Amex CS is good cause its easier on the eyes but TU is all over the place. The fact I dont have to count the minutes to pull like we do with TC is a major plus.
If Amex would fix the TU reporting and add the dates that creditors update then it would be no contest.
I finally bumped my last TU inq off but just added another EQ inq so its back to the drawing board. I sent an application to a local credit union and didnt know they would pull hard to open a savings account. So now I have 3 inqs on EQ that need to go before I cancel one of my daily pull services. On the plus side 2 of the inqs were on the same day so they should both go at once.
The TU issue with CS is soooooooo annoying. I don't even look at "credit history" section on CS because it gives me a migraine trying to piece everything together. Everything else about CS is better IMO.
Reply:My reports were once dirty so I need to keep a monitoring service to keep an eye out for any problems that may reappear down the road.
I'm going to be keeping one, I currently have both.
TCs layout is somewhat better with everything showing up on one line. Also the fact you can judge when the creditors will update. Amex CS is good cause its easier on the eyes but TU is all over the place. The fact I dont have to count the minutes to pull like we do with TC is a major plus.
If Amex would fix the TU reporting and add the dates that creditors update then it would be no contest.
I finally bumped my last TU inq off but just added another EQ inq so its back to the drawing board. I sent an application to a local credit union and didnt know they would pull hard to open a savings account. So now I have 3 inqs on EQ that need to go before I cancel one of my daily pull services. On the plus side 2 of the inqs were on the same day so they should both go at once.
Reply: I was thinking about cancelling TC yesterday. Coudln't find a spot on the website to cancel it. Do I have to call and deal with their CSRs in order to cancel?
CONGRATS!!! it's hard to do. i was definitely addicted for a while!
You can't cancel online. Call this number: 800-493-2392 option 6 to cancel
Reply:I was thinking about cancelling TC yesterday. Coudln't find a spot on the website to cancel it. Do I have to call and deal with their CSRs in order to cancel?
CONGRATS!!! it's hard to do. i was definitely addicted for a while!
Reply:
I would still check my reports every once in a while if I were you… you can never be too careful.
I have not given up Amex, but TC is long gone as is Myfico Eq. score watch (this one ran my blood pressure up). I will still watch over my credit very closely my getting my 3 free annual and perodic pulls.
I kinda like Score Watch but TC sucks IMO.
Reply:I did it!!! Finally got the last inquiry from EQ so now am at 0 for TU and 0 for EQ and have now cancelled both CS and TC as of this morning! I feel so free now.
Reply: I STILL HAVE AMEX 365
IT IS NOT THAT 24+1 GARBAGE
Keeping it for now
Yeah George keeping it and getting rewarded for pulling my credit.
Reply:I STILL HAVE AMEX 365
IT IS NOT THAT 24+1 GARBAGE
Keeping it for now
Reply: I would still check my reports every once in a while if I were you… you can never be too careful.
I have not given up Amex, but TC is long gone as is Myfico Eq. score watch (this one ran my blood pressure up). I will still watch over my credit very closely my getting my 3 free annual and perodic pulls.
Reply:I would still check my reports every once in a while if I were you… you can never be too careful.
Reply:I am so looking forward to doing the same. I have 1 on EQ and 1 on TU from a recent credit-seeking mission and as soon as they drop I am finally going to pull the trigger and close TC and CS. I have been pulling daily for about a year and 3/4ths now and will enjoy not thinking about the 24+1 min also!!!
Reply: Wow, $25/month?
Well, I rounded up…but $11.xx/TrueCredit and $11.99/Amex…
Reply:Wow, $25/month?
Reply:Congratulations.
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Posted by admin on December 28th, 2010
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