- Report: #274458
Complaint Review: True Credit - San Luis Obispo California
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Author Confirmed
Why?
True Credit
100 Cross St Suite 202 San Luis Obispo, 93401 California, U.S.A.
Phone:
866-2150740
Web:
N/A
Categories:
Business Rating:
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True Credit is accusing users of fraud and tampering with scoring system then cancelling accounts. San Luis Obispo California
I have been a member of true credit for roughly 3 years, and rarely used the system. I recently started investing in realestate, and started using my true credit account on a daily basis updating my credit report daily to see my fico score to get the best intrest rates available.
After about a month I recieve an email from true credit to contact customer service as they said,your account has been suspended due to an access pattern which indicates potential fraud. So I was concerned someone was accessing my account, When I callrd true credit they said they would investigate the problem and I would recieve an email from them when the investigation was complete.
Here is the email I recieved from true credit:
You recently contacted our Customer Service department in regard to our notification that your TrueCredit membership and billing was being frozen due to excessive access to your account. As our customer service team communicated, our Compliance Department has reviewed your account in order to see if you qualified for reinstatement.
After a thorough investigation, it is our conclusion that your account should not be reinstated due to an access pattern which indicates potential fraud or a deliberate intent to tamper with the credit scoring system. Your access, billing and all account related email alerts have now permanently been terminated as a result.
While we regret any inconvenience this may cause you, it is our policy to protect the security and integrity of the credit reporting system.
TrueCredit Legal and Compliance Department
I called true credit customer service about there false accusations and explained to them I was buying several homes and I am keeping a close eye on my report due to a difference of a few points on a fico score can cost you thousands of dollars in interest on a 30 year loan. She said the decision is final and find someplace else to monitor your credit.
I am sure glad I did not invest my money in this company, if I have money invested in this company I would pull out. You can't accuse people of fraud for using a service you advertise, A qoute from the true credit website as advertised:
Last year, 9.9 million people became victims
of identity theft. Protect yourself with our
award-winning Credit Monitoring service.
Voted Best of the Web, this program
provides you with:
24-hours notification of changes
Unlimited credit reports and credit scores ******
Unlimited toll-free access to specialists
Bonusup to $25,000 ID Theft Insurance at
no additional cost
This is false advertising beware do not do business with True Credit
The investor
Troy, New York
U.S.A.
After about a month I recieve an email from true credit to contact customer service as they said,your account has been suspended due to an access pattern which indicates potential fraud. So I was concerned someone was accessing my account, When I callrd true credit they said they would investigate the problem and I would recieve an email from them when the investigation was complete.
Here is the email I recieved from true credit:
You recently contacted our Customer Service department in regard to our notification that your TrueCredit membership and billing was being frozen due to excessive access to your account. As our customer service team communicated, our Compliance Department has reviewed your account in order to see if you qualified for reinstatement.
After a thorough investigation, it is our conclusion that your account should not be reinstated due to an access pattern which indicates potential fraud or a deliberate intent to tamper with the credit scoring system. Your access, billing and all account related email alerts have now permanently been terminated as a result.
While we regret any inconvenience this may cause you, it is our policy to protect the security and integrity of the credit reporting system.
TrueCredit Legal and Compliance Department
I called true credit customer service about there false accusations and explained to them I was buying several homes and I am keeping a close eye on my report due to a difference of a few points on a fico score can cost you thousands of dollars in interest on a 30 year loan. She said the decision is final and find someplace else to monitor your credit.
I am sure glad I did not invest my money in this company, if I have money invested in this company I would pull out. You can't accuse people of fraud for using a service you advertise, A qoute from the true credit website as advertised:
Last year, 9.9 million people became victims
of identity theft. Protect yourself with our
award-winning Credit Monitoring service.
Voted Best of the Web, this program
provides you with:
24-hours notification of changes
Unlimited credit reports and credit scores ******
Unlimited toll-free access to specialists
Bonusup to $25,000 ID Theft Insurance at
no additional cost
This is false advertising beware do not do business with True Credit
The investor
Troy, New York
U.S.A.
1 Updates & Rebuttals
Jason
Wheaton,Illinois,
U.S.A.
Here's why
#2Consumer Suggestion
Thu, September 13, 2007
After a few years or so hundreds of people caught on to artificially inflating credit scores. I for one personally helped dozens. I've described numerous ways to add fake accounts to your credit reports. many don't work anymore. Some still do. Bottom line, the credit bureaus are watching anything suspicious. They had caught on because someone tipped off the feds. I have sinced moved, destroyed any old hard drives I had, and given up any illicit credit boosting activities while I'm ahead. True Credit is owned and maintained (a division of) by Trans Union. It's not normal for them to act in this way. A few other people I know of got their credit monitoring accounts terminated by both true credit AND Equifax credit watch due to scoring fraud. If I were you, I'd carefully read over the terms and conditions of the site to see if you fall under the "cra failing to give you reasonable access to your credit file." If you do, I would get an attorney and sue them for any applicable damages. I hate the credit reporting agencies, and any damages they incur from consumers is heartily welcomed.
