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CreditCheck Total

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LAST UPDATED: March 19th, 2021

CreditCheck Total is one member of a family of online consumer credit reporting service provider sites belonging to, Inc., which is an Experian-owned company. was founded in 1995 and provides credit monitoring to more than 3.1 million people. Additionally, the company is now the leading provider of online consumer credit reports, scores, monitoring, and other credit-related information.

CreditCheck Total specifically provides 24/7 credit monitoring services, instant notifications, monthly notices, monthly tri-bureau credit scores, access to a FICO credit score tracker, and more.

Read on to learn more about CreditCheck Total's credit monitoring service and to see verified customer reviews. 

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The Good

  • Three Credit Bureaus
  • FICO Credit Score Provided
  • Fraud Resolution Support and Guarantee
  • Credit Protection Alerts
  • Monthly Credit Monitoring Notices
  • Seven-Day Trial For $1
  • CardSafe Feature and Guarantee
  • ChildSecure Feature

Three Credit Bureaus

Although CreditCheck Total is an Experian-owned company, the credit monitoring service does provide its members with credit reports and information from each major credit bureau: Experian, TransUnion, and Equifax. This gives customers a comprehensive look at all of their credit file accounts.

FICO Credit Score Provided

CreditCheck Total uses the FICO score model, which is a huge plus as this is the same credit scoring model used by the vast majority of lenders to determine creditworthiness.

CreditCheck Total customers can be confident that they are going to be on the same page in terms of credit information as potential creditors and loan organizations.

Fraud Resolution Support and Guarantee

Fortunately, CreditCheck Total includes identity theft monitoring services as well as a $50,000 identity theft insurance guarantee in its memberships.

The company also provides customers with dedicated fraud resolution support in the event that they become a victim of identity theft. This is noteworthy since many credit monitoring-specific companies do not provide this type of fraud resolution support. 

Credit Protection Alerts

CreditCheck Total monitors its customers' credit 24/7. If any significant changes to a member's credit are detected, the company will instantly notify them using an online credit protection alert.

Monthly Credit Monitoring Notices

Another great feature that CreditCheck Total offers is monthly monitoring notices that will provide customers with an updated view of their credit at a glance.

Additionally, the company's website states that every time a member signs in, their Experian credit report is automatically updated so they will always have the most up-to-date credit information, at least on their Experian report.

Seven-Day Trial for $1

When signing up for CreditCheck Total's credit monitoring services, first-time customers can take advantage of a seven-day trial period for $1.

Customers may also cancel services any time within nine days of enrollment without being charged the first monthly fee.

CardSafe Feature and Guarantee

CardSafe is a card registry product offered by CreditCheck Total that will help customers quickly recover from the loss of a credit or debit card in the event that their wallet or purse gets lost or stolen.

Additionally, the company will guarantee reimbursement for any unauthorized charges made after the member has reported their registered card(s) as lost or stolen to CardSafe. There is no extra charge for this feature; it's included with membership.

ChildSecure Feature

ChildSecure is an identity theft monitoring product for children.

After a customer has enrolled their children in ChildSecure, CreditCheck Total will monitor the Experian credit database for any suspicious records and issue an alert if someone applies for credit accounts using the child's personal information. There is no extra cost for this feature, as it is included with membership.


The Bad

  • Credit Monitoring Not Immediate
  • Monthly Cost Higher Than Competitors
  • Website Difficult to Navigate

Credit Monitoring Not Immediate

With CreditCheck Total, credit report monitoring with Experian begins within 48 hours of enrollment.

Credit monitoring with Equifax and TransUnion takes approximately four days to begin and in some cases can't be initiated during the trial period.

This means that customers won't actually be able to take full advantage of the company's monitoring services during the seven-day trial period.

Monthly Cost Higher Than Competitors

CreditCheck Total's monthly membership fee is $29.99 after the seven-day trial, which is a much higher monthly fee than what is often charged for other credit monitoring services.

In fact, many other companies in the industry offer free credit report monitoring services. 

Website Difficult to Navigate

CreditCheck Total's website is somewhat difficult to navigate. For example, many important pieces of information are tough to locate and potential customers have to dig around a bit in order to figure out what the company offers. 


The Bottom Line

CreditCheck Total offers quite a few features in addition to industry-standard credit monitoring services. For example, the company provides its account users with a FICO score as well as an Experian, Equifax, and TransUnion credit report which helps customers stay on the same page as many lenders. Overall, the fact that the company follows the FICO credit scoring model can be beneficial for customers who are planning on taking out a loan and want a good interest rate. 

The very fact that CreditCheck Total offers credit reports from each major credit reporting agency makes it a better service than some other companies in the industry.

CreditCheck Total also offers fraud resolution support for any consumer who becomes a victim of identity theft, a $50,000 identity theft insurance guarantee, and monthly credit monitoring notices.

Consumers can also take advantage of a seven-day trial membership for $1 to see if they like the company's monitoring services. However, it can take time after signing up with CreditCheck Total for the company to start with report monitoring.

Additionally, the company requires customers to pay a monthly membership fee. The $29.99 monthly fee that is charged after the trial membership is relatively high when compared to those of other top credit monitoring services, especially when some other companies in the industry offer free credit monitoring services.

Fortunately, each customer has the option to cancel their credit monitoring membership at any time. CreditCheck Total appears to be a reputable credit monitoring company; therefore, we have no problem giving it a recommendation. However, we suggest you perform your own due diligence and check your credit to know your current credit score and report situation before deciding on a credit monitoring company.

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13 Reviews

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R Dove Siler City, NC

I called to cancel before the 7day free period was over, I entered my ssn to allow me to speak to a representative. Took approximately 35 minutes but after confirming my identity I was granted the cancellation. Waited 5 mins more to receive email confirmation which stated I was cancelled. So I'll update if they try & charge afterwards. 3 stars for nice representative interaction & ease of cancel.

5 years ago

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JazzC Port Saint Lucie, FL

I never write reviews online. Who has time for that? But that’s just how horrible my experience was. In fact the last review site wouldn’t post my review so I came to this one. I’ve been trying for days to get a human being on the phone, but it seems like they don’t want you to contact them. The phone system sends you in circles, and hangs up on you if you request and operator too many times. They put their physical mailing address as the only other way to contact them. I would rate this zero stars if I could. If you’re taking the time to read this, I hope this inspires you not to give this company a single penny. I’ve heard of them charging for the free trial even if you cancel your membership early. If they do that to me, I will be going after this company legally.

4 years ago

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Tiffany Louis Pearland, TX

If I could have selected no stars that's exactly what CCT would have received. My husband and I have had this service since early 2013 and have only had limited issues. However, for this last month we have not been able to log in nor get a representative on the phone. I am now in the process of making a formal complaint, for they are still debiting monthly from our account for a service that we are no longer able to access. I believe this would be considered an unfair exchange of service(s). The recording on the toll free number simply gives a generic message and advises you to log in. It also states that we have no membership with the company. This is unacceptable business practice and I will ensure justice is served. Awful way to treat customers;(

5 years ago

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Latoya W.

I ONLY SELECTED 1 star, because it would let me post without selecting at least 1 star. The absolute worst service and customer service. I signed up to this service based on a referral and called and cancelled my membership before my free trial had ended. 3 to 4 months later, I realized that my account was still being charged. I called to have the membership cancelled and request a refund. The agent advised that the previous representative cancelled my free membership, but not the paid membership. He advised that he could cancel the membership, but can only refund 1 month. I asked to speak with a supervisor. He connected me to Wendy(supervisor) who suggested that I cancelled through the ivr(which there is no option to do so), and I only cancelled my free membership, because you have to speak with someone to cancel the paid membership. I advised that when you select the option to cancel the membership via the ivr that it connects you to a representative automatically, so her theory is impossible. She insisted that that is the only way that the paid membership never cancelled and apologized that only the current month would be refunded. This service is a complete scam. DO NOT USE THIS SERVICE, BECAUSE THEY STEAL YOUR MONEY AND CLAIM THAT YOU MADE THE ERROR. I hate that I ever signed up

5 years ago

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This service and company is AWEFUL!! If I could give then 0 stars I would! I have had this service since April 2018, trying to clean my credit up to buy a house. They charged me $29 every month. I noticed that there was no available credit report for the month of July so I tried contacting them. I was routed through the voice service 3 times then disconnected. I tried calling again and was put on hold for an hour then disconnected. I tried going online and was locked out of my account for no reason. My password never changed, nor did my user ID. None of the functions worked on the “forgot my password/ user ID”. Finally was able to get a hold of someone today (September 24th, 2018). By this time July and August credit reports never showed up on my account. They refused to give me a refund after I was transferred to 3 different people over 2 hours of phone time. How can you charge for a service, not provide it and then tell the customer you don’t know what happened or why there was no credit report for 2 months but no refunds are issued per policy. You are better off going through Credit Karma!

5 years ago

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Hala Barghouty Beaverton, OR

Zero Stars!!!!Con Artist!!!!!! after cancelling, the very next month they started charging me again!!! its been over a year trying to get $449.25 back and its not happening!!!! they lied about sending me emails and phone calls!!! I am still waiting for a human to pick up the line for 20 minutes now!!! I think there should be a class action lawsuit for fraud!!

4 years ago

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Vanessa Beckley Indianapolis, IN

I called in November to cancel my membership, the rep kept me on the phone for 5-10 minutes trying to convince me to stay and lower my package. After several times of me telling him no thank you my bank offers the same service he still failed to cancel my membership resulting in 120 worth of fees taking out. They refused to reimburse me after seeing that I had not access or used their website since Nov. This company is a rip off!

6 years ago

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Shae Atlanta, GA

Never in my life have I’ve ever been spoken to so rudely by customer service representatives. I can’t even imagine that these women were considered to be supervisors. I definitely do not recommend spending $29.99 per month with this company.

5 years ago

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Every month they debit my accounts for there service. Once I try to use the service it telling me that my service was canceled. Can’t talk to live person to see where the problem. I am ending my service . This bull don’t to it

5 years ago

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lynn Samples Bedford, TX

Signed up for 7 day free trial. Called and sent letter to cancel immediately. Received email confirmation of cancellation of my account. They still charged my account. Was another 30 min ordeal in connection with my bank to cancel the account. Hoping no charges show up next month!

5 years ago

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SK Edmond, OK

Unable to cancel monitoring service. The Phone disconnects when you select "Cancel Membership" Option. Wish I had read reviews on web before signing up for $1 membership with monthly trail. I called my credit card company and blocked any further charges.

6 years ago

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Michelle Centreville, VA

The WORST customer service I have ever experienced. I am incredibly baffled. They purposely make you wait more than 45 minutes to cancel a membership. I WAITED ONE HOUR for a grumpy representative to pick up, and then put me on hold, and THEN HANG UP ON ME!

6 years ago

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Mike Millikan Olathe, KS

Wouldn't let me cancel, as the fine print to do so was really buried in the fine print. Then wouldn't give me my three credit reports. Will turn them into the BBB, Consumer Finance Board and my state attorney general. BIG RIPOFF!!!

6 years ago