TravisBickle

Perhaps it's time to get off the fence regarding this one. Looks like SunTrust's credit card offerings are finally starting to improve. As a long-time banking customer (business and personal), I have received several targeted/pre-approved offers regarding their cashback/travel products over the years. Unfortunately, their benefits/sign-up bonuses were usually pretty weak. 5% on gas/groceries for the first year is nice, but then it reverts to a standard/run-of-the-mill 1% - 2% cashback card after that. And only once have they offered a cash sign up bonus: a lousy $25.00. Yawn. However, the (apparently-not-so-targeted) offer I received in the mail earlier this week -- also in the form of a pop-up upon a recent log-on -- had not only improved (sign-up bonus now $100.00), but also included an added perk...or at least one they hadn't mentioned before: "The FICO® Score provided to you [updated monthly] is the FICO® Bankcard Score 8 based on Equifax Data, and is the same score that SunTrust uses, along with other information, to manage your account." Alas, the missing link: free (EQ) FICO monitoring (EX and TU are already well covered.) Was thinking about getting a Citi card/DCU membership, but couldn't justify the trouble of opening a new account just for the benefit of free monthly updates of my EQ FICO . That said, money changes everything. Will probably pull the trigger come Feb./Mar. (waiting for new accounts to age at least a year.)

It did in my case ($14.97 was recently charged to my card), though my CCT account still indicates a monthly fee of $29.95. I did pretty much the same as you: signed up on 07/19, canceled via automated system on 07/26 and was offered to 50% off for 5 years. After accepting, the system thanked me and abruptly hung up. Worried that the discount may not have taken effect, I was happy to see my card was charged only $14.97 (monthly fee in account section still indicates $29.95, BTW.) I would wait another day or two before calling. They didn't charge my card until 3 days after canceling,

Maybe you should consider yourself lucky. Actually, I'm on my way back to CIP (subscribtion with CCT expires next week.) At least CIP's reports aren't as scattered as CCT's dreadful/pricey ($19.95/m) product. CIP mixed up only one of my (2) HSBC accounts - CCT does to to *five* separate tradelines. Can't cancel CCT fast enough - way too hard on the eyes. Never realized how good I had it with TC until I stated sleeping around with other credit monitoring services. Last year, or ~2-3 months after I cancelled TC, they sent an email out of the blue informing me that they had suspended my account. Didn't think much of it at the time (had already slept with 3-4 other services by then - none of which put out very well, IMO) until I finally gave up and decided to go back to TC after trying still several other monitoring services. All of them stunk compared to TC. However, like a scorned lover, TC wanted nothing to do with me. Can't comment on CIP's support (never used it, as I was a customer only briefly) but can tell you it's certainly no picnic dealing with CCT customer reps. Attempting to resolve they scewy format issue on my own, I tried two other browsers (Firefox and Safari) and tinkereded with the security settings. No luck - report appeared in the same jumbled-up format no matter what I tried. Then I made the mistake of calling support to see if they could help. Hoping to head the rep off at the pass, the first thing I said was that I had already played with the setting and tried two other browsers with no success. And what was the first thing out of her mouth? "Sorry to hear you're having problems, Mr Bickle. Somtimes the security setting in Explorer are set too high. Try lowereing them - and check to see if you have the latest version, or try a different browser altogether." It was as though she had completely tuned out what I had just told her. Guess they're so focused on reading from the script that nothing else matters. At least you had success in getting a service ticket put in. I never got that far. Couldn't convince her the problem was on *their* end, not mine. Anyway, I've pretty much run the credit monitoring gambit. Had my fill, to say the least. Thank God for free trials - only mistake was not canceling CCT within 9 days. Unfortunately, NCIP never reponded to either of my (2) submissions when I opted to go back to using their service (it was the cheapest monitoring offering I found @$8.95/m.) That said, it's probably just as well to pop the extra $2-3./m. and use Chase's easier-to-pull service and learn to live wiith the semi-screwed up format. IME, all of the various PM flavors (there's at least a half dozen of 'em) provided a mixed-up format to at least some extent Travis

Actually, I'm heading back to CIP once my subscribtion with CCT expires next week. At least CIP's reports aren't as scattered as CCT's dreadful (and way too pricey @ $19.95/m) product. CIP mixed up only one of my (2) HSBC accounts - CCT does to to *five* separate tradelines. Can't cancel this POS service fast enough - way too hard on the eyes. Never realized how good I had it with TC until I stated sleeping around with other credit monitoring services. Last year, or ~2-3 months after I cancelled TC, they sent an email out of the blue informing me that they had suspended my account. Didn't think much of it at the time (had already slept with 3-4 other services by then - none of which put out very well, IMO) until I finally gave up and decided to go back to TC after (unsuccessfully) after trying a few additional monitoring services. All of them stunk compared to TC. However, I was scorned. Almost a year later, and TC still won't let me back in. Can't comment on CIP's support (never used it) but can tell you it's certainly no picnic dealing with CCT customer reps. Attempting to resolve they scewy format issue on my own, I tried two other browsers (Firefox and Safari) and tinkereded with the security settings. No luck - report appeared in the same jumbled-up format no matter what I did. Then I made the mistake of calling support to see if they could help. Hoping to head the rep off at the pass, the first thing I said was that I had already played with the setting and tried two other browsers with no success. And what was the first thing out of her mouth? "Sorry to hear you're having problems, Mr Bickle. Somtimes the security setting in Explorer are set too high. Try lowereing them - and check to see if you have the latest version, or try a different browser altogether." It was as though she had completely tuned out what I had just told her. Guess they're so focused on reading from the script that nothing else matters. At least you had success in getting a service ticket put in. I never got that far. Couldn't convince her the problem was on *their* end, not mine. Anyway, I've pretty much run the credit monitoring gambit. Had my fill, to say the least. Thank God for free trials - only mistake was not canceling CCT within 9 days. Unfortunately, NCIP never reponded to either of my (2) submissions when I opted to go back to using their service (it was the cheapest monitoring offering I found @$8.95/m.) That said, it's probably just as well to pop the extra $2-3./m. and use Chase's easier-to-pull service and learn to live wiith the semi-screwed up format. FWIW, it might be a good idea to avoid the various PM flavors (there's at least a half dozen of 'em) if mixed-up formats bother you... Travis

Oh, well if that's the case... I signed up for CCT last month - after Googling something like "Creditcheck Total $19.95 discount", IIRC - and found several discount links. Actuallly I had read about the service over at another forum earlier this year, but the $19.95 link was dead. Hence, "Google is your friend" quickly came to mind. Unfortunately, though the referral site(s) clearly indicated the price was $19.95/m after the trial period expired (which varied from 5-9 days), after clicking the link(s) and reading the fine print (from the CreditCheck Total stie) the monthly price was actually listed as $29.95. Was about to give up after the first four or five links I clicked all led me to the same (non-discounted) sign-up page. Then I finally stumbled upon the $19.95 offer (as of last month, it was about the 7th or 8th result down using the (approx.) Google keyword search described above): allthreeforfree dot com. The site states "Powered by CreditCheck Total" (ConsumerInfo/Experian-based product), but a quick "Who Is" search revealed it's likely just another dime-a-dozen/lowly referal site (registered via GoDaddy - kind of a dead give away.) FWIW, concerning those reading this who are thinking about signing up for CCT, the format they use is somewhat confusing. Actually, I suppose a train wreck would be a more accurate desciption. Tradelines are scattered all over the place. I thought PM was bad, but they got nothing on these guys. I'll likely cancel CCT at the end of this month and go back to CIDP (though they're no prize either.) Unfortunately, TC gave me the bum's rush last year. Seemingly tried just about every monitoring service out there over the past 8-10 months, and they've all fallen short compared to TC in regard to ease-of-use/information provided.