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CreditCheck Total Review: Credit Report Monitoring |
| Sign up for CreditCheck Total | |
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| Monthly 3-bureau credit score updates; $1 7-day trial; a bit expensive | |
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CreditCheck Total combines monthly updates to your credit reports and credit scores from all three bureaus, 3-bureau credit monitoring and a $1 seven day trial. This combination makes it one of our favorite offers. The only drawback is that at $29.95 per month, it's a bit pricier than the other credit monitoring services we recommend. For anyone applying for any type of credit (this can range from getting a mortgage to simply not having to pay in advance for a utility bill), we believe you should know your scores and the content of your credit report from all three bureaus as in some cases the data from each bureau can vary widely.
CreditCheck Total gives you all three scores and all three credit reports for $1 when you sign up for your 7-day trial. This would cost you $50 normally but you get it for just $1 with this service. CreditCheck Total also gives you seven days of free monitoring of your credit report at all 3 bureaus and alerts you by email of any changes. Monitoring all three bureaus is critical for both maintaining good credit and protecting against identity theft as often lenders and merchants only report transactions and inquiries to one bureau. Once your free trial ends, you will continue to get monthly updates to all three credit reports and scores plus 3-bureau credit monitoring for $29.95 per month. While it's not cheap, keep in mind this is very valuable data that you would have to pay over $50 to get every time you wanted it. If you choose to cancel, you pay just $1 and will have received all three credit scores and reports. We think this is a solid service at a good price, considering all the data to which you have access. The only drawback other than the $29.95 price point is that it would be nice if the credit scores were FICO scores, the type of scores most lenders use. But the Experian PLUS scores you get with CreditCheck Total are a very close approximation of your FICO score and almost as good. Another nice extra CreditCheck Total offers is if you are a victim of identity theft or other types of fraud, they will assign you a fraud resolution specialist that will assist you in contacting law enforcement and taking all the necessary actions to protect yourself and your credit. They also offer $25,000 in identity theft insurance to cover your expenses should you fall victim to id theft. Overall, this is a great service with outstanding benefits but at a premium price. For those wanting monthly access to all their credit scores and reports, CreditCheck Total is a good deal. Sign up for CreditCheck Total | Compare to Other Credit Report Monitoring |
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| Free Credit Scores: | Scores from all 3 bureaus for $1 |
| Trial Period & Price: | 7-day trial for $1; $29.95/mo |
| Credit Reports Monitored: | All 3 bureaus' reports |
| ID Theft Insurance/ Guarantee: | $25,000 |
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