Overview | Compare All Services | FAQ| Blog

CreditCheck Total

CreditCheck Total Review

 Go to Site | View Full Comparison Chart
Web Site:
 Visit Website
Rating:
Bottom Line:
 Unlimited reports & scores from all 3 bureaus, free 7-day trial
Full Review:
 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 7-day trial. This great combination makes it a top overall pick. 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 3 scores and all 3 credit reports for free when you sign up. This would cost you $50 normally but you get it for free with this service. CreditCheck Total also gives you 7 days of free monitoring of your credit file at all 3 bureaus and alerts you by email of any changes. Monitoring all 3 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 3 credit reports and all 3 credit 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 3 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 we can think of is 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.

Go to Site | View Full Comparison Chart
Service Details:

Free Reports & Scores: Free reports & scores from all 3 bureaus
Free Trial & Monthly Fee: 7 day free trial; $19.95 per month
Reports & Scores Delivered: Unlimited reports and scores from all 3 bureaus using Experian PLUS system
Bureaus Monitored: All 3 bureaus

NextAdvisor Credit Report Blog Headlines

Reader Question: What service is best for protecting my identity and monitori...
Q: I would like to monitor my credit and make sure my identity is protected as well. Which service is best for me? A: If you want to protect your identity and get access to your credit report and score, then Identity Guard is likely the best service for you. There are two types of identity [...]

Data Breach Alert: 2,000 investment firm clients, including Supreme Court Jus...
Just over six months ago, an employee of a McLean investment firm inadvertently exposed private company files while using LimeWire. This breach exposed the names, dates of birth and Social Security numbers of about 2,000 of the firm’s clients, including Supreme Court Justice Stephen G. Breyer and a number of high-powered lawyers. The breach was [...]

A foreclosure on your credit report can make renting an apartment nearly impo...
As foreclosures rise, former homeowners with blemished mortgage histories are flooding the rental market. Unfortunately, landlords are often hesitant to rent to applicants whose credit reports show a history foreclosures, short sales (when a house is sold for less than the amount owed on the mortgage) or deed-in-lieu of foreclosure (when a homeowner gives up [...]

Lost laptop computers may cost you more than you realize
The recent Ponemon Institute survey, commissioned by Dell, sheds light on just how many laptops are lost or stolen at U.S. airports. At 36 major airports, lost laptops total more than 10,000 a week. When smaller airports are taken into account as well, the total number of lost laptops rises to 637,000 a year. Laptops [...]

The U.S. government contradicts its own advice about Social Security numbers
The Federal Trade Commission and the Social Security Administration warn, “Protect your Social Security number. Don’t carry your Social Security card in your wallet or write your Social Security number on a check.” But at least 44 million Medicare insurance cards include the beneficiary’s full Social Security number. Charlene Frizzera, chief operating officer of the nation’s [...]

How to read, analyze and dispute your Equifax credit report
Equifax is one of the three major credit reporting bureaus in the United States. In this guide we are going to walk through a sample version of Equifax’s online credit report with FICO score. If you don’t already have your Equifax credit report you can get instant online access to an Equifax or three bureau credit [...]

Reader Question: How do I set a fraud alert on my credit report?
Q: I recently lost my wallet which contained my driver’s license, Social Security card and credit cards. How do I go about putting a fraud alert on my credit report? A: A fraud alert is an annotation on your credit report which lets potential lenders know that you have been, or believe you may have [...]

Reader Question: Will shopping for a mortgage hurt my credit score?
Q: Is it true that shopping around for different mortgage offers will lower my credit score? A: Many people believe that shopping around for mortgages, home loans or auto loans can negatively impact their credit score because it requires authorizing multiple lenders to pull your credit file. This is not necessarily the case according to [...]

Reader Question: Am I entitled to a free credit report each year?
Q: As a consumer am I not entitled to a free credit report each year? Do have to join a club or pay for it? A: The Fair Credit Report Act (FCRA) entitles each and every American consumer to one free credit report per year from each of the three credit reporting bureaus including Equifax, [...]

Reader Question: How much do credit report monitoring services cost?
Q: I see that most of the credit reporting monitoring services on your website offer a free trial. How much do they cost after the free trial is over? A: While free trial periods are great to evaluate whether or not a particular credit report monitoring service is a fit for your life, [...]