Time for Dave to “Eat Crow:” Quizzle is worth your time…

I don’t like admitting more than anyone that I was wrong – but I was, and it is time to own up to it. Basically, take everything I wrote in the post, “Goodbye Quizzle, Thank You CreditKarma” out the window except for my applause for CreditKarma – which remains a great service.

I had decided Quizzle wasn’t worth the work because they only allowed one to pull a credit score once every six months whereas CreditKarma lets you do it every day if you wish. I was corrected by a representative from Quizzle who informed me that Quizzle offers not just credit scores but credit reports. So while I think it would be great if Quizzle let me update my credit score every day and view my credit report every six months – the point is that Quizzle does have something really valuable to offer: free credit reports.

What is the difference? A credit score is a number that gives you an idea of how good your credit rating is compared to everyone else’s credit score. A credit report tells you what exactly is contained in your credit file. This is a valuable service and one that I don’t think you can get anywhere else for free – except annualcreditreport.com – but that is only once a year.

So color me embarrassed, I re-endorse Quizzle, and am using my account…and you should too.

Canceling Your TransUnion Trial (Not as Easy as You’d Think)

How to Cancel TransUnion (Updated: 10/4/15)

I recently received a helpful email from Carrie. She had spent thirty minutes looking for a way to cancel and wanted to share this method so others wouldn’t have to do the same.

  1. On the main page (tui.transunion.com) click on Customer Support.
  2. Click on General FAQs.
  3. Click on Payment (left and side).
  4. Click on How Do I Cancel My Membership (last FAQ).

The link below no longer works. They keep changing the relevant pages.

However the number has remained the same: 1-855-681-3196.

Read First (Updated: 4/8/15)

Several years on this remains one of my most popular posts – apparently there are a lot of people trying to cancel TransUnion. Unfortunately, the information in the original article is no longer current. TransUnion now redirects the contact page I linked to out to an order form.

I was able to track down the new contact us page. I’m also including the phone number on this page, in case they change the URL (again!). Hopefully the phone number itself won’t change: 1-855-681-3196.

The page says that they are open Monday through Thursday 8 am to midnight and on Friday through Sunday from 8 am to 8 pm.

I hope this is helpful!


There are three big credit bureaus that track essentially everyone’s financial history and viability – TransUnion, Experian, and Equifax. They keep track of how much you owe and to whom, whether you’ve made your payments on time, where you live and where you have lived, and on and on the list goes. They provide this information at request to businesses who use it to determine whether they are going to sell or rent a product or service to you.

The Free Trial

Each of these bureaus tends to offer free trials – in this instance I signed up for a seven day free trial to TransUnion which included both a credit score and report (from TransUnion – the three bureaus don’t necessarily have matching information).

It was a good thing I did – they had Charity’s employment listed as mine and Charity’s employment listed as her former employment. I was also able to take care of a false delinquency charge on both Charity and I’s accounts.

Now I was done and the choice was to keep the service for $11.97/mo. or cancel it. Well, that was easy – I wanted to cancel it. Unfortunately, unlike most web services, it isn’t particularly easy to cancel your service. I scoured everywhere within my account and profile settings on the TransUnion website for a cancel option but all I could do was upgrade my services to more expensive plans – not cancel them. What?!?!

Finding a Phone Number

When everything else fails there is one solution remaining (okay two, one can also find a postal address) – find a phone number and talk to a real person (time consuming and I don’t like phones). I went to the TransUnion site and clicked on Contact Us. Okay, a whole bunch of options…which one to try? In the end I chose Consumer Resources – called the number and within three minutes was somehow placing (via their automated system) an order for another credit report and pressing 0 repeatedly only caused them to hang up on me rather than sending me to a real operator / support person. Usually 0 indicates the person needs help not “please end my phone call.” Thankfully, the order didn’t go through.

Google Helps

I ended up searching via Google for “how to cancel transunion free trial” which eventually led me to their terms of service page where there is a hyperlink (not hyperlinked) to another contact page (that I have no clue how to navigate to otherwise) here:¬†https://tui.transunion.com/contact.jsp. On this page you’ll find a phone number you can call and cancel your service. The operator picked up quickly (I expect b/c no one is able to find the number) and fairly quickly and without too much argument canceled my service.

Dave Thinks

For what it is worth – I think it is great that we now get a free credit report annually from each of the bureaus, but I don’t think this goes far enough. These bureaus are trading information about us – sensitive and personal information – which is used to make life-altering decisions for us (can you buy that house, lease that car, qualify for that credit card) and it is unfair for them to charge us for the privilege of viewing and/or correcting our credit score/report at any time, any place, for any reason at no cost to us. In fact, I think someone could probably make an excellent class-action suit on this basis.

CreditKarma offers Free Credit Reports and Credit Monitoring, Oh My!

Credit is a mysterious and oftentimes frustrating entity that exists out there and yet affects us.

Image representing Credit Karma
Image via CrunchBase
  • If you don’t use credit you won’t have a credit score, which means you won’t be able to get credit when you need it.
  • If you use credit but go through a tough patch or for whatever reason get some dings on your credit you’ll experience skyrocketing interest rates and a rampant tightening of available credit.
  • If someone happens to steal your credit card – physically or virtually – you may not know until significant funds have been expended.

For a long time it was very difficult to even know what your credit score was…sure you could send away for one in the mail, but it cost money. Only in recent years did government regulations require the credit agencies to provide consumers with a copy of their credit report for free annually (if they requested it).

Thankfully, as in so many other industries, a technology company has managed to turn the established industry on its head overnight…Yes, I’m talking about CreditKarma.

CreditKarma is a nifty little site I’ve been using since whenever they came out – ohh, might have been a year or two or three ago. I joined b/c they offered free credit scores. Now granted, this is a little different from a credit report. This tells you what your credit score is (numeric) but not all the nitty gritty on whom your lenders are, how much you owe them, and so on….but for most purposes this is plentiful and unlike Quizzle (owned by Intuit/Quicken) you can refresh your score as often as you want for free.

Now they have made available free credit monitoring. Used to be you had to pay between $5-$20/mo. to get credit monitoring to make sure someone wasn’t stealing your identity or that false charges weren’t being added to your report. Now CreditKarma has made it free.

CreditKarma has a bunch of other nifty features…but instead of me describing them all why not just go sign up and try it out for yourself? Its 100% free and it takes less than five minutes from start to “hey, that is my credit score and I’m getting free credit monitoring.”