CreditCheck Total is one member of a family of online consumer credit reporting sites belonging to ConsumerInfo.com, Inc., which is an Experian company. ConsumerInfo.com 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.
- Three credit bureaus
- FICO scores 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 company, it does provide its members with reports and information from all three credit bureaus: Experian, TransUnion, and Equifax. This gives customers a comprehensive look at their credit.
FICO Scores Provided
CreditCheck Total uses the FICO scoring model, which is a huge plus as this is the same 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 as potential creditors.
Fraud Resolution Support and Guarantee
Fortunately, CreditCheck Total includes identity theft monitoring and a $50,000 product 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.
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 information, at least on their Experian report.
Seven-Day Trial for $1
When signing up for CreditCheck Total, customers can take advantage of a seven-day trial period for $1. Customers may also cancel any time within nine days of enrollment without being charged.
CardSafe Feature and Guarantee
CardSafe is a card registry product offered by CreditCheck Total that will help customers quickly recover from the loss of credit or debit cards 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 cards as lost or stolen to CardSafe. There is no extra charge for this feature; it’s included with membership.
ChildSecure is an identity 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. 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 services during the trial.
Monthly Cost Higher Than Competitors
CreditCheck Total’s monthly membership fee is $29.95 after the seven-day trial, which is a higher monthly price than what is charged by most of its competitors.
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.