CreditCheck Total

• 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.

• 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.