By Kevin Mercadante


Most financial experts and analysts agree on one thing. That most people should expect to see at least some errors on one or more of their credit reports. This is reason enough to take advantage of the free offer from This will give you almost immediate access to all three of your credit bureau reports along with calculated scores. You will be able to examine these reports for any errors and then even receive assistance in helping to file claims with the various credit bureaus. You also receive a free trial to their ongoing monitoring and credit assistance services.


Features & Highlights

This service will enable you to receive almost immediate access to all three credit bureau reports. Having access to all three is a nice benefit since they do not always reflect the same data or even inconsistencies. The same can be said for the credit scores; although these will not be the same scores used by lenders, they will be based off the same data and should be close approximations. You will also receive a free 7-day trial membership in the site’s credit monitoring membership service. This will enable 24/7 monitoring of all three credit files as well as the ability to establish alerts through email which will be sent if any significant changes occur to your accounts or reports. The monitoring covers address verification, installment, and revolving accounts. Additionally, your credit scores will be updated on a monthly basis.

The site also includes a number of extras. For example, there is identity theft protection. Included in this is up to $1,000,000 of identity theft insurance to help with your restoration efforts. There are also credit and scenario calculators to help with future planning and even a blog with a number of good articles on a wide range of credit and financial topics.

Sign Up Process

The sign up process at the website is very straightforward and easy. The top of the web forms to complete are labeled Complete, Verify, and View. You do need to enter in all of your personal contact details like full name, address and phone number. Also, be sure to include your social security number. Everything is completely encrypted from the second you enter it in, so there is nothing to worry about. You also will need to verify your identity by answering some questions based on the data they pull from your credit reports. You will be charged a $1 refundable fee.

Pricing Concerns

Obviously everyone is looking for good value whenever they make a new purchase. It is also true that you can obtain a copy of your credit report for free each year. But, the thing that separates the service is all the extra features included. In other words, the 24/7 monitoring, the alerts, the online articles and education, etc… All of this should be taken into consideration when evaluating this as an investment and not simply a cost. The $29.95 monthly membership fee should be considered simply as cheap insurance against any type of fraud or inaccurate information.

Customer Support

Honestly, there could be a few more support options added to the website. Despite this, you will still find a good range of helpful options. For starters there is a full page of frequently asked questions (and their answers). There is also a very nice about us page which gives full details of the company behind, including an actual address and info about the key officers in the company. Email and telephone are about the only direct contact options, but they do have a blog and social media presence.

Ease Of Use

Once you sign up for the monitoring service you will have access to a comprehensive back office or user interface. This allows you to access all of your credit reports and scores with just a single click of the mouse. Setting up your alerts is a simple process of entering an email address. From here, you can literally perform just about any function you like. This could mean looking at some of their helpful articles or educational materials.

Bottom Line

While the monthly price is a bit higher than most, the service offers a ton of value when considering the monitoring, alerts, and even the credit education tools and resources which are provided.

Contact Information:

201 Mission Street
Suite 1550
San Francisco, CA 94105



  About Kevin Mercadante

 Kevin Mercadante is a freelance professional personal finance blogger,
 and the owner of his own personal finance blog, He
 has extensive backgrounds in both accounting and the mortgage industry.
 Follow Kevin on Google+.


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