Fast3CreditScores is a service offered by Trilegiant Corporation, which also provides another credit monitoring service called PrivacyGuard. Trilegiant was founded in 1973 and is a membership-based provider of travel, shopping, health, dental, entertainment, and consumer protection services, including Fast3CreditScores. Trilegiant operates seven facilities in six states. Additionally, the company has over 25 million members and 3,000 employees to deliver its high-value services to those members.
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- Three credit bureau scores
- Daily credit monitoring and alerts
- Credit information hotline
- Identity fraud support services
- 14-day free trial
Three Credit Bureau Scores
Fast3CreditScores includes scores from all three major credit bureaus (Experian, Equifax, and TransUnion) in your monthly report. Understanding the information provided by these three credit bureaus can help you better understand and monitor your credit so you can take immediate action if any errors or issues are found.
Daily Credit Monitoring and Alerts
Fortunately, Fast3CreditScores monitors your credit reports daily and will send you an alert if any potential problems are found, including certain new inquiries, derogatory information, and changes of address that have been added to your credit report.
Credit Information Hotline
The Fast3CreditScores website states that the company offers a credit information hotline. However, it doesn't have any information explaining what this entails. Therefore, you will need to contact the company for more information about how this feature will benefit you.
Identity Fraud Support Services
It's great to see that Fast3CreditScores offers identity fraud support services to you should you become the victim of identity theft. However, the company doesn't specify whether or not that service includes any type of identity theft protection. Since that information isn't disclosed, the company probably doesn't offer it; however, that's something you may want to verify before making any decisions.
14-Day Free Trial
The good news is that Fast3CreditScores offers a 14-day free trial for its services before they bill you anything. This will help you get a feel for whether or not its services are right for you and your particular situation.
- Website extremely lacking in helpful information
- FICO scores not provided
- Credit card required
- Identity fraud support services not clear
Website Extremely Lacking in Helpful Information
Fast3CreditScores' website is one of the worst we've seen as far as providing helpful information about what the company has to offer. Most people want a little more information before deciding whether or not they feel comfortable disclosing their information.
FICO Scores Not Provided
Fast3CreditScores doesn't provide its members with their actual FICO scores. Instead, the company uses the CreditXpert model to determine your relative credit risk level. The company also goes on to say that these numbers might not match your actual bureau scores and are not the scores that are considered by most lenders. This is unfortunate because most people want to be seeing the same scores that potential lenders will be looking at.
Credit Card Required
Unfortunately, if you want to receive your three "free" credit scores from Fast3CreditScores, you will have to sign up and put down your credit card information first. The company website states that you will receive a 14-day free trial and can check your scores for free during this time. However, after the trial period, customers who do not cancel their membership will be required to pay $19.99 per month for services.
Identity Fraud Support Services Not Clear
Fast3CreditScores does offer identity fraud support services. However, it's not clear whether or not it offers any type identity theft protection
services with its membership. Therefore, you will have to contact the company for more information regarding this matter.
The Bottom Line
Fast3CreditScores appears to be a reputable credit monitoring service. The company provides you with three credit bureau scores, daily credit monitoring and alerts, a credit information hotline, identity fraud support services, and a 14-day free trial. However, the company's website is almost completely void of any information that would help its potential customers to decide whether or not they even want to give the company a try. Additionally, instead of providing its customers with their actual FICO scores, Fast3CreditScores uses CreditXpert, Inc. to make an assessment of credit risk. And, the company requires you to put down your credit card before you can check and receive your three "free" credit reports and participate in the trial. Further, the company will bill you if you don't cancel within the 14-day trial period. Fast3CreditScores is part of a larger parent company, Trilegiant, which has been around for quite some time. Therefore, we don't have a problem recommending this company. However, we also advise that you perform your own due diligence before deciding whether or not this is the right credit monitoring company for you and your particular situation.
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