CreditCheck Total credit score and monitoring review
Get daily updates of your Experian FICO credit score as part of a three-bureau package.
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 7-day trial for $1. Once your free trial is up, you’re on the hook for an ongoing $29.99 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.
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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.
- 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.
- High monthly fee. At $29.99 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?
- Visit the CreditCheck Total site and click Get Your 3 Reports & FICO Scores.
- Enter your name and mailing address. Click Submit and Continue.
- 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.
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 firstname.lastname@example.org.
- By mail. Send snail mail to:
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.
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.