CreditCheckTotal Review

By Top 10 Credit Report Staff


Everyone could be a potential target for credit and even identity theft. This is even more true for those who are unaware of how to manage their credit situation. Sadly, too many people these days appear to have no idea as to how take control over their credit and financial life. This is where CreditCheckTotal comes in. The site offers a service that actually monitors your 3 credit bureau reports and alerts you to any type of significant changes. This gives you back control and allows you the chance to dispute incorrect information before it becomes a problem and costs you money due to excessive interest rates and fees.

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Features & Highlights

The basic offer used to attract new customers to the website is access to your three credit bureau reports and three credit scores for just $1. Even better, this is a refundable fee if you decide to remain a member after the first month. The credit reports are very comprehensive and the site offers tons of detailed information and advice about how to understand and make use of them. In other words, you will be able to clearly see which factors are important and how they are impacting your actual scores. Please also note that while these scores are different from the ones lenders actually use, they do represent a very close approximation. Best of all, this comes with a free membership in the companies’ online credit monitoring service.

As far as extra services offered, this includes a number of helpful planning tools and information. There are a number of financial calculators and projectors which can help with interest and fee calculations. There is even a tool which allows you to examine how different scenarios and situations will impact your scores.

Sign Up Process

The sign up process for the Free Scores And More website is one of the quickest, simplest, and easiest that you will find in this space. It only requires two small screens of data and information to filled in, which should take about 45 to 60 seconds. Simply punch in your name and contact details and you are ready to get started. This information will also require your social security number. This is used simply for the purpose of being able to pull your information from the credit reporting agencies and is immediately encrypted once entered into the system.

Pricing Concerns

Knowing that you are getting a good deal is always important. At the very least, you need to be sure that you are getting your moneys’ worth. This is indeed the case here. For starters, you receive a free 7-day trial membership in Credit Check, which is their proprietary monitoring service (loosely connected with the Experian reporting bureau, although all three credit files are monitored). After this initial 7-day trial period is finished, your credit card will be automatically charged the $29.95 monthly membership fee. All credit and debit cards are accepted, and this can be canceled at any time.

Customer Support

Most of your questions for the Credit Check Total services will be answered simply by reading the information listed on the site. This includes looking over the terms and conditions page which is very comprehensive and spells everything out up front and in plain language. There is also a contact us link at the bottom of most pages on the site. This will lead you to fill out an email form. Doing so will generally return a response within 24-48 hours. You may also dial a toll-free phone number.

Ease Of Use

Once you have joined the site you will be directed to the members’ area. This is similar to a back office and is very user friendly. Here, you will be able to perform any function such as viewing your actual credit reports and scores, setting up or changing alerts, and even using any of the free extras and tools, such as the credit analyzer to work through the effects of various scenarios on your credit reports.

Bottom Line

While this service is a bit more expensive than most, there is still excellent value. Be sure to take advantage of the free tools in order to better control and understand your complete credit situation.

Contact Information:

475 Anton Blvd.

Costa, Mesa, CA 92626

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