topic Re: CreditCheckTotal in General Credit Topics

CreditCheckTotal

Anonymous — Fri, 12 Jun 2015 23:27:40 GMT

About a week ago I found out about this site called CreditCheckTotal.com which appears to be brought to us by Experian. I was complaining that my EX FICO was not updating on myFICO and someone mentioned it. The cost is $29.95 per month, and gives you the credit score daily for Experian, daily credit reports for Experian, and 3x each month you get the FICO score for TU and EQ. This is a much better deal than the $24.95 with myFICO where you get the full report once a year. I was impressed enough with the $1 trial enough to cancel my EX monthly subscription and also my myFICO subscription. I found out if you call to cancel your trial subscription from CreditCheckTotal that they will offer a discount. I called tonight and the kind lady asked what I was looking for in the service so I mentioned fraud monitoring as well as updated FICO scores. She said she hated to see me go so offered me $14.97 per month for the next 2 years, and I can cancel any time. Can't beat that!!

Just thought I'd pass this along. Check out their $1 trial for a week.

Re: CreditCheckTotal

Anonymous — Sat, 13 Jun 2015 00:05:03 GMT

That's a great deal. Congrats!

I also subscribe to CCT, and recently pulled my first free 3 reports and scores update. There's a delay before one can update the first time, but afterwards it appears one can update again early as the next day. However, I assume total number of updates per month is limited to 3. Anyone tried updating more than 3 times in a billing period? If so, was the billing amount $0.00? or some other amount? or simply not allowed? I'm wondering if free 3 bureau report pulls there are really limited to just 3 times...

Personally, 3X per month is plenty, but am spoiled from EX Credit Tracker single bureau service I used to have, which allows daily updates.

Re: CreditCheckTotal

Anonymous — Sat, 13 Jun 2015 00:10:25 GMT

@Anonymous wrote:
That's a great deal. Congrats!

I also subscribe to CCT, and recently pulled my first free 3 reports and scores update. There's a delay before one can update the first time, but afterwards it appears one can update again early as the next day. However, I assume total number of updates per month is limited to 3. Anyone tried updating more than 3 times in a billing period? If so, was the billing amount $0.00? or some other amount? or simply not allowed? I'm wondering if free 3 bureau report pulls there are really limited to just 3 times...

Personally, 3X per month is plenty, but am spoiled from EX Credit Tracker single bureau service I used to have, which allows daily updates.

ronpa - it's my understanding the EX is daily FICO and report. The other two, TU /EQ are 3x per month update FICO/Report. So, you're still getting the daily EX and reports.

Last night was the first night I was able to get the updated reports after the 7 day trial. I hope I don't accidentally get the other two reports too close together. I'm going to attempt to go 10 days between reports, so that means a total of 4x per month I'll have all 3 scores.

Re: CreditCheckTotal

Anonymous — Sun, 14 Jun 2015 05:06:06 GMT

Thanks for the info

Re: CreditCheckTotal

EW800 — Sun, 14 Jun 2015 12:29:31 GMT

Thanks for mentioning Credit Check Total. I have wondered about them.

Would this product basically be much like Experian's Credit Tracker (which allows daily EX FICO report and score), but adds the same for TU and EQ three times a month? I currently have Credit Tracker, so it appears that this might be worth the $7 a month more or so to switch to.

Anyone else using Credit Check Total or perhaps switched from Credit Tracker to Credit Check Total?

Thanks!

Re: CreditCheckTotal

Anonymous — Sun, 14 Jun 2015 14:11:50 GMT

Vulcan1600- I took a closer look today when on CCT, and you're right! EX report and score updates daily same as before. Makes CCT an even better value.

Re: CreditCheckTotal

EW800 — Sun, 14 Jun 2015 14:21:26 GMT

For those that are using CCT, are you aware of any type of mobile app? Experian Credit Tracker has an excellent mobile app for iOS, however I don't see anything for CCT.

Re: CreditCheckTotal

Anonymous — Sun, 14 Jun 2015 14:46:28 GMT

@EW800 wrote:
For those that are using CCT, are you aware of any type of mobile app? Experian Credit Tracker has an excellent mobile app for iOS, however I don't see anything for CCT.

I do not know about iOS, but I cannot find an Android version of it either unfortunately.

Re: CreditCheckTotal

Anonymous — Mon, 15 Jun 2015 01:52:58 GMT

Awesome value. Thanks for sharing!

Re: CreditCheckTotal

EW800 — Mon, 15 Jun 2015 02:03:33 GMT

Can anyone confirm that the Credit Check Total product definitely allows daily pulls for Experian, and that it is only the TU and EQ sides that are limited to three times a month? If so, this does seem to be a very good value over the Credit Tracker product.

Re: CreditCheckTotal

Anonymous — Mon, 15 Jun 2015 02:31:03 GMT

@EW800 wrote:
Can anyone confirm that the Credit Check Total product definitely allows daily pulls for Experian, and that it is only the TU and EQ sides that are limited to three times a month? If so, this does seem to be a very good value over the Credit Tracker product.

Absolutely, positively - EX is daily pulls and TU and EQ are 3x per month - you can do them a week apart, 3 days in a row, or whatever you choose, but yes I confirm. I did a screenshot showing on June 12 and 13 I got the daily Experian Report and Score (circled red), and on June 11 I got the 3 Bureau Report (circled green).

It's really nice and a lot better deal than myFICO sad to say.

Re: CreditCheckTotal

EW800 — Mon, 15 Jun 2015 02:37:12 GMT

Thanks so much!

Re: CreditCheckTotal

RandomSpirit — Mon, 15 Jun 2015 02:41:34 GMT

Wow! thanks for the info. I think I might try this. Seems like a good eal for sure.

Re: CreditCheckTotal

Anonymous — Mon, 15 Jun 2015 02:45:00 GMT

@RandomSpirit wrote:
Wow! thanks for the info. I think I might try this. Seems like a good eal for sure.

Remember, the trial is $1 for 7 days. You'll immediately get the scores for the 3 CRA and reports. You won't be able to pull the reports again until after your 7 day trial is over. And, remember, it's $29.99 after the 7 days - which is a bargain actually for getting the reports 3x a month for all 3, where it's $24.95 on myFICO and once a year report. If you call to cancel during the 7 day trial, they should give you the $14.97 offer for 2 years...now that you certainly can't beat!

Re: CreditCheckTotal

EW800 — Mon, 15 Jun 2015 02:51:37 GMT

You got my attention with that, Vulcan! Are they offering it for $14.97 for two years on cancellation attempts? That is an incredible value.

Re: CreditCheckTotal

Revelate — Mon, 15 Jun 2015 03:06:53 GMT

Competition is good!

Thank you for sharing Vulcan!

Re: CreditCheckTotal

Anonymous — Mon, 15 Jun 2015 03:09:05 GMT

@EW800 wrote:
You got my attention with that, Vulcan! Are they offering it for $14.97 for two years on cancellation attempts? That is an incredible value.

You can quit any time during the 2 years. Just cancel and it ends the last day of the month you paid for. It's an awesome deal.

Unfortunately does not look like an Android (or iOS) app yet. I haven't tried it on my Note 4 but don't see why I couldn't sign in.

Re: CreditCheckTotal

Anonymous — Mon, 15 Jun 2015 03:10:55 GMT

@Revelate wrote:
Competition is good!

Thank you for sharing Vulcan!

I think it's a great deal, but I certainly am not trying to diss myFICO either. Love the forums and would pay for something similar with myFICO 3 Bureau reports here.

Re: CreditCheckTotal

Revelate — Mon, 15 Jun 2015 03:22:35 GMT

@Vulcan1600 wrote:
@Revelate wrote:
Competition is good!

Thank you for sharing Vulcan!
I think it's a great deal, but I certainly am not trying to diss myFICO either. Love the forums and would pay for something similar with myFICO 3 Bureau reports here.

People need slightly different things out of monitoring solutions - I don't think there's ever going to be one size fits all with how the industry is setup unless it offered literally everything (all scores, all the time, unlimited pulls) for free as in beer, or similar.

Wasn't being tongue-in-cheek; MF has a good product in my opinion, but it has limitations too. I could make the argument the current MF product was driven by competition, which in turn is driving others to improve their services.

What is interesting to me is seeing them drop their shorts on the pricing like that... could see doing that shilling for users for advertising dollars, but are they doing that? It'd be rare on a paid service, so it may just be they're charging what the market will bear and we'll get a price drop across the board as more competition goes.

TBH regardless of some of the flack people here get for pushing MF products, I'm always, always in the corner of what's good for the consumer: more frequent access to reports and scores at a cheaper price point is unarguably good for the consumer.

Re: CreditCheckTotal

EW800 — Mon, 15 Jun 2015 03:37:16 GMT

Very well stated, Revelate! I agree with you completely. I am a big fan of MF, especially with this forum and the fact that so many other scoring models have been added to the 3B report option. Competition is VERY healthy!

I may give CCT a shot, as keep MF as well. It would be great to get CCT for the discounted pricce that was mentioned

It would be great to see an IOS app, and I assume an Android app for CCT. IMO, Experian has a great app for the iPhone and especially the iPad, so it would be great to see something similar for CCT.