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Sunday, November 02, 2008

How to Cancel's Triple Advantage Service Easily

You have heard that catchy jingle on television during a major sporting event or prime time television -- Free-Credit-Report-Dot-Commmm. The commercial tells you to take control of your credit history by not only requesting a free credit report, but also a free copy of your credit score. While it may not be a scam, it is close to qualifying for one.

How to cancel  Cancelling the credit report Triple Advantage Service at $12.95 a month
Here's why...

As you may be aware, everyone is entitled to a free copy of their credit report from all three reporting agencies (Experian, Equifax, and TransUnion) every single year due to new regulations past a couple of years back. The site to get a free copy with no strings attached is and you can have your credit report in a couple of minutes. Just be prepared to answer a series of in-wallet (information that if your wallet was stolen could potentially be answered) and out-of-wallet questions (thing like who your mortgage or car loan is with) to verify you identity for security purposes.

But, back to the strings attached -- that is what is -- a "free" credit report and credit score with a monthly fee service attached to it. First off, is masquerading as a free service that is really run by one of the three credit reporting agencies, Experian. Their goal is to get you to sign up for their Triple Advantage service at $12.95 per month -- which they do in their agreement -- after a 7 day trial of the service.

It is so simple and easy to sign-up for, but much more difficult to cancel. You see, Experian has intentionally not provided a way for your to cancel the service online. Instead, according to the FAQ, they want you to call and sit on hold for 30 minutes like I did.

How do I cancel my membership?

If for any reason you are not satisfied, you can cancel anytime to discontinue your membership to Triple Advantage Credit Monitoring and stop the monthly billing. However, you will not be eligible for a prorated refund of any portion of your current month's paid membership fee. To cancel, please contact Customer Care at
In fact, it was the third try for me afer waiting on hold of 15 minutes on two different tries. You see, the goal of Experian is to make it as difficult as possible to cancel the service -- just so you will hopefully forget about it and accept the $12.95 monthly charge.

If this was not the case, then they would allow you to cancel online.

During my conversation and complaint about the difficulty -- the representative offered me the service at a discounted rate of $7.95 a month and told me there was another option to cancel by simply emailing them at requesting a cancellation -- do not include your username, password or other information. is not a complte scam as they do offer a sevice for a fee -- as misleading and deceptive as it may be. However, their site is definitely designed to make it very easy to sign-up, but very difficult to cancel their service -- hoping you will forget and just let the monthly charges happen.

My advice? If you are going to sign-up for the service, immediately after you complete your sign-up, send an email to to request cancellation of your service. You will still have time (1-2 days) to pull the information you need and you can avoid being charged. Otherwise, expect those charges from CIC*TRIPLE ADVANTAGEIRVINE to start showing up on your credit card.

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mperkins said...

Thanks for the notes. I skipped the annoying stuff and just emailed them saying my name and that i wanted to cancel. One sentence and i was done with it.

Thanks a bunch!

Jill said...

I too used the e-mail method. It worked VERY quickly. In a matter of hours the company responded to my e-mail.

The service they offer would actually be pretty good if they didn't trick people into buying it. I'd rather go with a more trustworthy source myself.

Thanks for the advice!

Carrie said...

Yeah, you'll have to call the 1-877-481-6825 number, the other number doesn't work, then you'll have to choose option #2. Option #1 dumps you (this is the cancel the account option). If you choose #3, the system dumps you. I called 10 times and was dumped 9 times, until I lied and chose #2.

We'll see what happens.

Trev said...

Carrie, option 2 on the number you posted is for password/uname reissue. On the main number given, under the cancellation option, my call was dropped, too. I'm making a complaint to the BBB.

Now, it's time to email that support address, and cross my fingers ..

Anonymous said...


I began looking around today to see if there were problems canceling. I still have a few days left in my trial so I called AND was on hold for 30 minutes AND had to listen to the 7.95 special... but after all that they said ok it's canceled. Well I got the confirmation email later on in the day... but it says it's effective a month from now! Does that mean they are going to charge? I don't know... but I have to call again tomorrow and cancel again to make sure I canceled the first time! Very unprofessional.

Brad said...

I just called the 877 number and selected #1. My account will stay active until the end of the trial period and be canceled. Took 2 minutes. Sent an email just to be sure.

Robert Simpson said...

Thank you for the advice: I signed up, immediately emailed the support regarding cancellation, printed out my score and report and disputed all negative items. When I was done, I had already received a response from support in my inbox explaining that my account was cancelled, no charge would be made, and I still had access to the account for 8 days. Considering that is only available to consumers once a year for free and doesn't include credit scores, this is a great option for disputing credit items every 30 days as allowed by law. There is a free lunch after all.

Anonymous said...

I just called and cancelled. It only took 5 minutes, and I selected option 1. I also folloed up with the email just in case AND I disputed as many charges as I could on my credit card. I got $51.08 back. Good luck to everyone else that was scammed.

Anonymous said...

What info did you have to provide in your email to cancel?

Anonymous said...

I also called the 877 number and chose option 1. It took me less than five minutes to cancel, though I did have to listen to the half off offer. And I get to keep the free trial active until it expires. I would say to activate it, then immediately call and cancel. Worked great for me, and the person on the line was very helpful.

Anonymous said...

I was so worried when I started reading this post!! I had to sign up to be considered for a job position and have been terribly unemployed. I have unfortunately had problems with my credit card payments in this matter, so as much relief as it was to see i still had decent credit, i started freaking when i couldn't find a way to cancel online, and twice as much when i read this lol. However i called 18888296560 as in the text above and it was literally a five minute phone call since i just interrupted her eveytime she was going on and on bout the benefits, basically had to say look bitch i dont want it! Cannot pay for it, even with your little "exclusive" discount HA! But as soon as she shut up she took two seconds to cancel it and i had to wait 0 minutes before going straight to a real person, so i dont really know what all the fuss is.

Anonymous said...

A suggestion.
This kind of charged to credit card can be bypassed. In other words, I used the Payapl Plugin. It can generate one time use of credit card numbers. You sign up with the generated credit card and logon to paypal to cancel the generated credit card. Never used your real credit card numbers.

Anonymous said...

No fuss here. I pressed #1 option and immediately got an agent. They actually acknowledge the problems with people cancelling and requesting refunds. They are persistent but everytime they try to divert you from cancelling, just politely but sternly tell them no thanks. Afterwards, they canceled my membership and sent an email confirmation immediately. Then I requested the refund. The agent tried to refuse it, but i agian politely explained my reason for the refund. I asked to speak to the supervisor for a full refund. I didn't get to speak with the supervisor, but the agent did that herself, and told me the supervisor approved the full refund.

Remember, be stern, but be polite and curteous. It WILL work!

Anonymous said...

I agree - stern but polite and courteous is the way to go. I called, they said they could not refund my money. I asked the woman to cancel my "membership" then asked to speak to her supervisor. I sat on hold for a minute and she said she'd been authorized to give me a refund.

Stephanie said...

I'm really glad I found this. I called just a few minutes ago to cancel my account. It was awful!!! When the woman answered the phone, I couldn't hardly understand her because of the thick accent. Not to mention there were awful noises in the background. People were yelling and I could hear loud banging. It freaked me out and I was afraid I was getting scammed so I hung up right away. I will definitely email them now that I know I can.