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CreditCheck Total Review: Credit Report Monitoring |
Compare to Other Credit Report Monitoring |
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| Unlimited 3-bureau reports + scores; free 7-day trial; a bit expensive | |
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CreditCheck Total combines the most credit data you can get (unlimited credit reports and credit scores from all three bureaus), 3-bureau credit monitoring and a free seven day trial. This great combination makes it one of our favorite offers. The only drawback is that at $19.95 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 free when you sign up. This would cost you $50 normally but you get it for free with this service. (Note that during the trial period you cannot request your reports and scores more than once, although you really wouldn't need to in a seven-day period.) CreditCheck Total also gives you seven days of free monitoring of your credit file 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 unlimited copies of all three credit reports and scores plus 3-bureau credit monitoring for just $19.95 per month. 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 nothing and will have received all three credit reports and scores for free.
We think this is a great service at a great price, considering all the data to which you have access. The only drawback other than the $19.95 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. And of course they offer $25,000 in identity theft insurance. Overall, this is a great service with outstanding benefits and for those wanting frequent access to all their credit reports and scores, CreditCheck Total is the way to go. |
Search our blog archives and frequently asked questions for more information about Credit Report Monitoring Services
| Free Reports & Scores: | Free 3-bureau report + scores |
| Free Trial & Monthly Fee: | Free 7-day trial; $19.95/mo |
| Reports & Scores Delivered: | Unlimited 3-bureau reports + Experian PLUS scores |
| Bureaus Monitored: | All three bureaus |
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