Complaint Review: truecredit

in Jan 2011, I registered at Truecredit.com for the free trial period to view my credit report. When it was days away from canceling the free trial period, I had a very hard time trying to locate a phone number or any contact information on the web site to cancel. Eventually after a lot of hours of searching, I found a phone number and had called the company to cancel. They assured me that I had canceled and that I would not be charged anything. Well the following month had past, while balancing my check book, I noticed they had indeed charged me. I called them again and again had been assured that I canceled.

This has been going on repeatedly for five months now and today, May 4, 2011, I just received an email from them saying "We have experienced some difficulties processing the payment for your Credit Monitoring subscription." Well that is because I had no money in the bank, so it must have been returned. I am being forced to cancel my debit card because of them.

I called the phone number again, talked to a representative and this time I got a confirmation number and an email from them saying that, "We're sorry that you've decided to cancel your Credit Monitoring subscription." So now I am hoping that it really has been canceled. But I am really having a hard time believing that. I am mad that it took this long and scared that I might become a victim of identity theft. I wish to be reimbursed the fees that they took from me, $14.95 for five months, totaling $74.75, if I never was subscribing I should have never been charged it. They refused to reimburse me.

I feel stupid that I fell for this old scam of something for free, my advice to others is never give out your credit card number. I had since learned that you have a right to a free credit report, you really only want to check your history for fraud and that it is not a good practice to be checking your credit "score" repeatedly, it counts against you as a too many hits, looks like you are searching for new credit.

 Americans are entitled to one free credit report within a 12-month period from each of the three credit bureaus, but are not entitled to receive a free credit score. However, a consumer is entitled to receive a free credit score if they are denied a loan or insurance due to their credit rating. So I suggest every four months taking turns writing to the bureaus to check your credit history for fraud.