By Kevin Mercadante
CreditReport123.com is a website designed to help you not only find out your credit information, but to understand what this information means. The website is has been around for a little while and it is ultimately powered by a well-known name in this industry, Identity Guard®. All customers will receive up-to-date information regarding their credit scores*, based on data from the 3 major bureaus, credit monitoring (through all three agencies) with alerts, and even the ability to use a credit analyzer tool to run various scenarios.
There are a number of essential basic features offered by CreditReport123.com. For starters this includes an update view of your credit information based on data from all three bureaus. Plus, you will receive quarterly updates. You will also have access to a composite all-in-one 3-bureau report and credit monitoring with alerts. If certain changes, occurs, you will be notified (i.e. new credit applications, cell phone accounts, loans, mortgages, etc...). You have access to your own secure member area. The format for examining your reports is very easy on the eyes, as well. Everything works reasonably well, although it could be a bit faster.
The company also offers a number of special services. For example, their premium package, CreditProtectX3® offer $20,000 in identity theft insurance*. Plus, they also have an identity theft recovery unit which can help to restore your identity in the case of disaster, literally walking you through the steps to recovering your identity. Not to mention that there are tons of helpful articles and pieces of advice about using credit and fighting identity theft, etc.
Signing up for the service at CreditReport123 is quite simple and easy. You first have to provide basic information (contact and personal details). Then, you will need to supply additional data on the second page, including your social security number (mainly for verification purposes, but also to pull some of your credit information). From here, you will need to provide payment information since the company offers a low cost trial. Then, your membership will commence as soon as you are verified.
As far as pricing goes, CreditReport123 is pretty much straightforward. The only bad thing is the fact that they do not offer a free trial. However, you can use their services for a full month at a price of just $3 or $1, depending on which option you have chosen. After this, your membership will begin at a monthly price of either $14.99 or $18.99, depending upon which option you have chosen. Both of these are excellent values for the money, although the premium package seems to be the best deal due to the inclusion of up to $20,000 in identity theft protection and the identity support team.
There are a number of ways to obtain support from CreditReport123.com. For starters, the site itself is full of helpful information regarding credit and identity theft. Of course, you may also always choose to send them an email, through the contact information on their site. They usually respond to emails by the next day, always with a helpful answer. The company also offers a toll free phone line along with extended business hours. Finally, if you prefer, they even offer their PO Box address and will welcome personal correspondence.
The site itself is very easy to navigate and use. Once you become a customer, you will have log-in information to access your own member's area. This is where you can access all of your credit reports, see your alerts (they can also be set up to go to your normal email or even to a cell phone), and basically manage your entire account. The links all work and go to exactly where you would expect.
The final word is that CreditReport123 is a very user friendly site that provides a decent level of service and product options. Prices are reasonable and they provide an incredible amount of helpful information.
Customer Service PO Box 222455
Chantilly, VA 20153-2455
Our site’s mission is to help consumers make informed purchasing decisions. www.top10creditreport.com accepts financial compensation from companies reviewed on our website in order to provide our users with this free service.
*The scores you receive with Identity Guard® are provided for educational purposes to help you understand your credit. They are calculated using the information contained in your Equifax‚ Experian and TransUnion credit files. Lenders use many different credit scoring systems‚ and the scores you receive with Identity Guard are not the same scores used by lenders to evaluate your credit.
Credit scores are provided by CreditXpert based on data from the credit reporting bureaus.
You may cancel your membership anytime simply by contacting Identity Guard.
*Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group‚ Inc. The description herein is a summary and intended for informational purposes only and does not include all terms‚ conditions and exclusions of the policies described. Please refer to the actual policies for terms‚ conditions‚ and exclusions of coverage. Coverage may not be available in all jurisdictions.
Intersections, Identity Guard and CreditProtectX3 are registered or federally registered trademarks of Intersections Inc.
About Kevin Mercadante
Kevin Mercadante is a freelance professional personal finance blogger,