CreditCheck Total credit monitoring review 2018 | finder.com
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CreditCheck Total credit score and monitoring review – August 2018

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Get daily updates of your Experian FICO credit score as part of a three-bureau package.

Credit reports are available for free from each credit bureau, but you’re restricted to one request from each bureau per year, and it doesn’t include your credit score. If you’re planning to apply for a loan or credit card, you may want to consider getting more regular updates, including a FICO score.

A credit score service like CreditCheck Total gives you more frequent access to your full credit report, along with your credit score and ongoing alerts.

What is CreditCheck Total?

CreditCheck Total is owned by ConsumerInfo.com, an Experian company — one of the three credit bureaux used by lenders. In exchange for a monthly subscription fee, CreditCheck Total gives you regular access to all three of your credit reports, including your FICO credit scores.

How can I check my credit score with CreditCheck Total?

CreditCheck Total offers a straightforward monthly subscription plan that delivers a FICO score for each of the three credit bureaus. Your Experian FICO score is updated daily, and you’ll also receive monthly updates of your Equifax and TransUnion scores.

Why three FICO scores? Your FICO score varies slightly depending on the data it draws from. With CreditCheck Total, you get access to all three reports, so you can compare your FICO scores for all three bureaus to find a more accurate report.

How much does it cost?

CreditCheck Total offers a seven-day trial for $1. Once your free trial is up, you’re on the hook for an ongoing $29.95 monthly fee until you cancel. This membership includes access to your FICO 8 score, monthly credit reports from Equifax, Experian and TransUnion, report and identity theft monitoring.

Compare other credit score services

Details Features
myFICO
myFICO
Get quarterly access to your most widely used FICO® Scores and a 3-bureau credit report
  • Get quarterly access to your most widely used FICO® Scores
  • Credit report change alerts
  • FICO® Score analysis
Go to site More info
Experian Credit Report
Experian Credit Report
Get your credit report and FICO score for just $1 with enrollment in Experian CreditWorks credit monitoring. Cancel anytime.
  • 3 credit reports
  • Track your FICO® score
  • Easy to use dashboard
Go to site More info
TransUnionCredit Report
TransUnionCredit Report
TransUnion credit score, monitoring and identity theft insurance.
  • Unlimited updates to your TransUnion credit score
  • Up to $1,000,000 in identity theft insurance
  • Personalized debt analysis
Go to site More info
Equifax Business Credit Monitor
Equifax Business Credit Monitor
Monitor your key business relationships to protect your company from losses.
  • Bankruptcy Alert
  • Derogatory Alerts
  • New Inquiry Alert
Go to site
GoFreeCredit.com
GoFreeCredit.com
$1 for a seven-day trial to get access to your credit score and credit report from TransUnion.
  • Credit reports from all 3 bureaus
  • Email alerts when your credit report changes
  • Up to $1,000,000 in identity theft insurance
Go to site More info
Details Features
Self Lender — Credit Builder Account
Self Lender — Credit Builder Account
The first nationwide savings plan that builds credit.
  • No hard credit inquiry. Self Lender uses a ChexSystems inquiry to approve customers.
  • Available in all 50 states.
  • It typically takes 60 days for new accounts to appear on credit reports
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The Credit People
The Credit People
The Credit People work with you to clean up your credit and raise your credit scores. Cancel anytime.
  • 7-day trial for $19
  • Get access to your credit reports
  • Most customers see results within 2 months
Go to site More info
CreditRepair.com
CreditRepair.com
Repair your credit online with CreditRepair.com or call directly 855-897-9466.
  • Repair your past
  • Monitor your present
  • Build your future
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Debt.com
Debt.com
Debt.com and Power Wallet have the tools to help you manage your money.
  • Get answers
  • Calculators & free budget tools
  • Self help
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CuraDebt: Tax Debt Relief Free Consultation
CuraDebt: Tax Debt Relief Free Consultation
FREE consultation 877-797-0209. 100% confidential. OBB member in good standing.
  • Get your free saving estimate
  • Experience of more than 15 years nationwide
  • Member of online business bureau in good standing
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The Credit Pros: Legal Credit Repair
The Credit Pros: Legal Credit Repair
We believe that fast credit repair is a personal issue that demands personal attention.
  • Help force the deletion of erroneous credit damage
  • Provide practical, honest credit advice when you need it
  • Help you set realistic, reachable credit goals
Go to site More info
Lexington Law Credit Repair
Lexington Law Credit Repair
Call now for a FREE credit report summary & credit repair consultation.
  • Remove incorrect listings from your file
  • Find out what is in your credit file
  • Personalized services
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CreditFirm.net
CreditFirm.net
Professional credit repair service that can help you create a step by step action plan. Pay as you go and cancel anytime.
  • Free credit consultation
  • Over 15 years of credit repair experience
  • Get help optimizing your credit file
Go to site

What other services does CreditCheck Total offer?

  • Credit reports. Enjoy unlimited access to your Experian credit report, updated whenever you log in. You also get a full Equifax and TransUnion report updated every 30 days.
  • Report monitoring. Find when there’s a change to any of your three bureau reports thanks to ongoing 24/7 report monitoring. CreditCheck Total also sends a monthly email summarizing changes to your credit report.
  • Score simulator. Get insight into how different factors could affect your credit score.
  • ChildSecure identity monitoring. Enroll your children in ChildSecure for alerts if someone tries to use their personal information to open a credit account.
  • CardSafe fraud resolution. If you lose your debit or credit card, speak with a representative to help you replace and close the cards.
  • Identity theft insurance. If you’re the victim of identity theft and CreditCheck Total didn’t provide the services it promised, you’re covered for up to $50,000 in losses.

Is there a way to get my credit score for free?

Yes, you can find your credit score through most major credit card companies, and some lenders. Credit scores are located at the bottom of your monthly statements for free.

Another way to get insight into your credit report is to request a free report from Equifax, Experian or TransUnion. You are limited to request one free report from each bureau every year.

Pros and cons

Weigh the benefits against the potential drawbacks of signing up for CreditCheck Total’s monthly subscription service to decide if it’s the right tool for you.

Pros

  • Frequent updates. Your Experian FICO score is updated daily, which is helpful if you’re planning to apply for a loan or credit card.
  • Automatic alerts. CreditCheck Total notifies you of changes to your credit report daily to help you spot identity theft and other problems sooner rather than later.
  • Three-bureau report. Your credit report looks slightly different at each bureau. The only way to ensure lenders always see accurate information is to regularly check the contents of your credit report at each bureau.

Cons

  • High monthly fee. At $29.95 a month, CreditCheck Total is not the most affordable way to view your credit report and score.
  • Limited identity theft insurance. It’s insurance only pays for loss due to identity theft if CreditCheck Total does not provide the service it says it will. If the provider correctly alerts you, you aren’t covered.
  • No mobile app. You can only retrieve information on the CreditCheck Total site. Other providers offer mobile apps with special features.
  • Difficult to cancel membership. You must call CreditCheck Total to cancel your subscription, and customer reviews cite issues getting a representative on the line.

How do I sign up?

  1. Visit the CreditCheck Total site and click Get Your 3 Reports & FICO Scores.
  2. Enter your name and mailing address. Click Submit and Continue.
  3. Enter your Social Security number and date of birth. Choose a username and password, and then add in your payment details. Click Submit Secure Order.

Expect your credit report, score and credit monitoring services to begin after two days.

Is CreditCheck Total legit?

Yes, CreditCheck Total is a part of the online consumer credit reporting sites owned by ConsumerInfo, an Experian company — one of the three major credit bureaus in the US. ConsumerInfo was founded back in 1995 to give borrowers quick and inexpensive access to their credit histories.

While CreditCheck Total does not have a page on the Better Bureau Business (BBB) site, its parent company Experian Consumer Services does. It’s been accredited by the BBB since 2006 and earns an A- rating. However, as of June 2018, it has nearly 1,300 customer complaints filed against it. Most customers complained about issues canceling the credit monitoring services or receiving charges even after they had called to cancel their membership.

See how to get your free credit report

Customer service at CreditCheck Total

You can reach CreditCheck Total’s customer service team:

  • By phone. Call 877-284-7942 weekdays from 6 a.m. to 6 p.m. PT or weekends from 8 a.m. to 5 p.m. PT.
  • By email. Send a note to help@creditchecktotal.com.
  • By mail. Send snail mail to:
    ConsumerInfo.com
    Attn: Customer Care
    PO Box 2390
    Allen, TX 75013

You can only cancel your CreditCheck Total membership by calling the provider, but customers complain that it can be difficult to reach a representative.

How do I know that CreditCheck Total is right for me?

Consider CreditCheck Total if you want a straightforward credit report tool that gives you regular access to your full credit report, along with daily monitoring and alerts.

Though, this service is pricey for services you can find elsewhere with more sophisticated scoring tools and better identity theft insurance.

Bottom line

If you’re interested in taking out a loan or applying for a new credit card, it’s worth reviewing your credit score and report. CreditCheck Total can help you do that, and monitor your credit report, sending alerts when anything has changed.

But if you’re not completely sold on the services offered from CreditCheck Total, compare other credit score monitoring companies to find the best one for your needs.

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