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 Unfortunately, the information in the original article is no longer current.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!


Introduction

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.

Goodbye Quizzle, Thank You CreditKarma.

Update: Scrap this post entirely and read my post on eating crow and why Quizzle is actually worth your time here.

Image representing Credit Karma
Image via CrunchBase

In 2010 I wrote about free credit card reporting services Quizzle and CreditKarma. At the time I recommended using them both – and while that still can’t hurt, I have to say for me personally it is time to say goodbye to Quizzle and depend more fully on CreditKarma. Why? Well, a few quick reasons:

  1. Quizzle is freemium. They let you refresh your credit card score once every six months…CreditKarma lets me refresh it all day if I want. Quizzle charges for extra refreshes – CreditKarma is nice and free.
  2. Okay…really, that is the big reason, but I’ll also throw out there that I’m not particularly impressed with Intuit (which owns Quicken which owns Quizzle), in fact I’m downright disappointed. They’ve neutered a leading innovator in online money management (Mint) through failing to develop it further[1] and their products, generally, over significantly overpriced (yikes, QuickBooks!). I don’t expect to see industry leading innovations from Intuit – they are a big behemoth that takes its time turning, like so many established enterprises – I generally prefer to look to the quick and nimble companies.[2]
  3. I don’t need Quizzle’s emails in addition to CreditKarma’s. I already have information (and email) overload…so this is an easy way to trim down the fat.

So, if you want to keep checking two credit reporting services – keep Quizzle…but to simplify life, I find CreditKarma to be more than sufficient.

  1. [1]Yes, yes, some features have been added…but I’ve almost stopped using it since better tools have been released…
  2. [2]Thanks to Pete who pointed out that I was wrong about the relationship between Intuit and Quicken Loans…while they share branding this is a licensed relationship rather than a sub-entity, etc.