CreditReport Review

By Kevin Mercadante


The most striking thing about the website is the fact that the site seems strongly committed to providing a lot of information and customer education. Unlike many other companies in this online space, they exude a feeling of client satisfaction, support, and even trust. There are tons of articles to offer some unique and interesting perspectives into credit and how to properly and effectively use and manage credit. Of course, they do offer free access to your reports, along with a top notch monitoring service as well. However, the advice offered goes the extra mile and will valuable to you whether or not you choose to continue as a member after your free initial trial.

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Features & Highlights

With you are able to receive a copy of your three-in-one credit report for free. This also gives you a free 7 day membership to their monitoring service. This means that your credit file will be monitored over all three bureaus. There are alerts which can be customized to notify you when anything significant happens with your credit. This could be anything from a new inquiry to new accounts and addresses being placed on your file. It also gives you the chance to examine your reports for any errors, omissions, or other information that you might like to have fixed. Customers will also have access to their Plus Scores. While this is different than the scores lenders use to make credit extension decisions, it is a solid approximation which is calculated using Experian methods.

A unique feature of the Credit Report website is a whole slew of educational and helpful articles and information. Be sure to spend some time here so that you will know exactly how to use these services most effectively. They cover everything from maintain and building good credit to fighting against identity theft incidents. These include phone numbers and additional help resources so you are never alone.

Sign Up Process

The process of joining, or becoming a free trial member at the Credit Report website is really self-explanatory. It is a four step process that only requires some basic data—contact details and a few pieces of personal information. There is nothing really terribly interesting or special about this process. Just make sure to provide accurate information, since this will be used to pull your files from the three major credit bureaus. This is also the reason why the company will ask for your social security number. You can rest assured that all of your personally identifiable information is kept safe with everything being encrypted.

Pricing Concerns

While you can easily get started for free with this service, it is tied to an ongoing membership. If you do not cancel the service within the first 9 days, your credit or debit card on file (yes you will be required to list one during the sign up process) will be charged for $19.95. This will continue every month until canceled. When thinking about price, the main question to answer is whether you consider the service to be valuable. Ongoing credit monitoring, customized alerts, identity theft and fraud assistance are all included. Certainly this is valuable enough for the small monthly fee?

Customer Support

It is also quite easy to connect with customer support. For starters, there is a very helpful and comprehensive frequently asked questions list. Or, simply click on the contact us link for a list of additional resources. This includes being able to email or make a toll-free call to their helpful agents. Whichever method you choose, they are helpful and very knowledgeable about credit. While the hours are extensive, bear in mind that they are not 24/7.

Ease Of Use

It is always helpful when joining a new service to become familiar with their online system. In this case, everything is very clear and well laid out. You simply click on the appropriate link and it takes you exactly where you would expect. This allows you to easily look through your credit reports, see your scores, set up or change alerts, examine articles or other information, and just generally take control over your credit situation.

Bottom Line

In the final analysis, is an excellent service with tons of valuable resources, helps, and information. Consider all of their tools to be cheap insurance.

Contact Information:

475 Anton Blvd.

Costa, Mesa, CA 92626

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  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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