topic Re: CreditCheck(R) Total in Rebuilding Your Credit

CreditCheck(R) Total

oneofayykind — Thu, 12 Feb 2009 22:09:30 GMT

Was wondering if anyone uses CreditCheck Total? I want something where I can constantly see things come off without having to pay again. I have done some searches regarding checking online and I'm not sure CreditCheck is the best. I don't have any cards like Amex so I can't use their service. Is CreditCheck or TrueCredit better? I know with TrueCredit you can only get a new report every 30 days where as CreditCheck it seems you can get a new one daily? I realize the scores are all FAKOS but I'm just looking to see things change. I hope....

Re: CreditCheck(R) Total

Anonymous — Thu, 12 Feb 2009 22:57:09 GMT

I use CCT and I am satisfied. I pull all 3 reports every day. And the best part, I only have to pay $9.95 a month. Be sure to cal in the retention dept. and say you want to cancel because its too expensive. Then the rep will offer you $9.95 for 6 months. At the 6 months mark, call in again and repeat step 1. If you decide to use CCT, avoid looking at the Plus scores. Other than that, I like the product and it achieves my purpose.

Re: CreditCheck(R) Total

oneofayykind — Thu, 12 Feb 2009 23:26:14 GMT

I just signed up for CreditCheck Total but didn't realize you need to wait to have something mailed to you. Seems convient since you only have 9 days to evaluate it before cancelling. Anyone have any others out there like this where you can get the report right away? TrueCredit is one but you can only get the report every 30 days.

Re: CreditCheck(R) Total

oneofayykind — Fri, 13 Feb 2009 00:27:11 GMT

What do people think/know about Chase Identity Protection and Experian Triple Advantage? I'm looking for one I can sign up for right now and get my updated reports but also that when I sign up I will have access immediately. Who wants to wait for their **bleep** scores once they mail your code.

Anyone have any opinions on either?

Re: CreditCheck(R) Total

Anonymous — Fri, 13 Feb 2009 06:56:31 GMT

Mail? What are they going to mail? You should have been able to access your reports right away unless they are having problems verifying your identity. Also keep in mind, after the trial period, thats when you can pull all 3 reports each day. But during the trial period, just call in and "cancel" so they can give you the deal.

Re: CreditCheck(R) Total

laz98 — Fri, 13 Feb 2009 08:20:04 GMT

@oneofayykind wrote:
What do people think/know about Chase Identity Protection and Experian Triple Advantage? I'm looking for one I can sign up for right now and get my updated reports but also that when I sign up I will have access immediately. Who wants to wait for their **bleep** scores once they mail your code.

Anyone have any opinions on either?

i have the experian triple advantage. i like having access to my experian report whenever i want, since it is my lowest score at the moment.

Re: CreditCheck(R) Total

Boldilocks — Fri, 13 Feb 2009 21:23:27 GMT

@Anonymous wrote:
I use CCT and I am satisfied. I pull all 3 reports every day. And the best part, I only have to pay $9.95 a month. Be sure to cal in the retention dept. and say you want to cancel because its too expensive. Then the rep will offer you $9.95 for 6 months. At the 6 months mark, call in again and repeat step 1. If you decide to use CCT, avoid looking at the Plus scores. Other than that, I like the product and it achieves my purpose.

Wow, does that really work?? I'll have to try it - I just signed up for Credit Check Total yesterday and was able to view the reports right away. I can't remember how long the trial is -will I be able to review an updated report daily once the trial is over?

Re: CreditCheck(R) Total

Anonymous — Fri, 13 Feb 2009 23:54:21 GMT

@Boldilocks wrote:
@Anonymous wrote:
I use CCT and I am satisfied. I pull all 3 reports every day. And the best part, I only have to pay $9.95 a month. Be sure to cal in the retention dept. and say you want to cancel because its too expensive. Then the rep will offer you $9.95 for 6 months. At the 6 months mark, call in again and repeat step 1. If you decide to use CCT, avoid looking at the Plus scores. Other than that, I like the product and it achieves my purpose.
Wow, does that really work?? I'll have to try it - I just signed up for Credit Check Total yesterday and was able to view the reports right away. I can't remember how long the trial is -will I be able to review an updated report daily once the trial is over?

It should work still. Last time I heard, someone followed my directions and was able to get the offer 2 weeks ago. Yes, you will be able to update everyday once the trial is over. Hope that helps!

Re: CreditCheck(R) Total

Anonymous — Sat, 14 Feb 2009 04:22:06 GMT

I signed up for the 7 day free trial late last week, called in on Monday or Tuesday of this week and got the $9.95/month for 6 months. Just make sure you call before your 7 day trial is up!

Re: CreditCheck(R) Total

Anonymous — Mon, 16 Feb 2009 20:44:38 GMT

I just called to cancel my free membership and got the $9.95/month deal. I think I'll take them up on it since it's updated daily. They didn't mention anything about 6 months at this price though.

Re: CreditCheck(R) Total

oneofayykind — Mon, 16 Feb 2009 22:31:07 GMT

These people ended up giving me a MONTH TRIAL! I dont want a month trial because you can only get your report once during that trial period. I tried to just pay them and get rid of the trial and they said they couldn't do that. I did get the deal for 9.95 per month and they did tell me it is only the first 6 months.

Re: CreditCheck(R) Total

oneofayykind — Thu, 19 Feb 2009 14:32:44 GMT

Does anyone know how I can cancel the trial and pay for the subscription so I can get my updated scores and reports?

Re: CreditCheck(R) Total

Anonymous — Thu, 19 Feb 2009 15:58:43 GMT

I think you'd have to call and ask them. They couldn't end my 7 day trial early...

Re: CreditCheck(R) Total

Anonymous — Thu, 19 Feb 2009 20:06:13 GMT

Just signed up for credit check total.

chopbroc, what do you mean by 'avoid looking at the PLUS scores'?

Those are the only numbers I see that look like FICO scores.

also, since experian isn't playing nicely with others these days - is this my Exp score or a fako?

very new to this - thanks for the info!

Re: CreditCheck(R) Total

Anonymous — Thu, 19 Feb 2009 22:28:20 GMT

I just signed up as well. I got to view my reports right away, even with extended Fraud Alert on my file.

The scores are Fakos yes, but I love the layout compared to Identity Guard and you can pull everyday. Needless to say I cancelled Identity Guard and will call CreditCheck Total soon and get the 9.99$ price.

Very nice.

Re: CreditCheck(R) Total

sunnyday — Thu, 19 Feb 2009 23:58:37 GMT

I would not buy anything from experian. This is why they quit giving the public access to their Ex fico score. They are hoping that everybody buys their credit reports, scores, monitoring services, etc. They only want to make a buck.

Re: CreditCheck(R) Total

Anonymous — Fri, 20 Feb 2009 01:39:56 GMT

ok, i'm officially confused - I thought people here liked Credit Check Total because you could see the true FICO, not fako.

I understand the Exp score won't be true because they aren't sharing anymore.

Are ANY of the scores on Credit Check Total real?

How do I get my real scores? Do I have to go to each CRA seperately?

Sorry to be so dim...

Re: CreditCheck(R) Total

oneofayykind — Fri, 20 Feb 2009 01:42:09 GMT

No they are not real scores.

The only real scores are from this website myfico.com and you can only get 2 of the 3 bureaus now. You can't get Experian nor will you be able to from ANY other site including Experians. They say its your score on their site yet it is different from what creditors pull.

Re: CreditCheck(R) Total

Anonymous — Fri, 20 Feb 2009 02:58:53 GMT

@Anonymous wrote:
ok, i'm officially confused - I thought people here liked Credit Check Total because you could see the true FICO, not fako.

I understand the Exp score won't be true because they aren't sharing anymore.
Are ANY of the scores on Credit Check Total real?

How do I get my real scores? Do I have to go to each CRA seperately?
Sorry to be so dim...

People like CCT because they are the only source in which you can pull the 3 bureau reports everyday. When it comes to FICO scores, the only site you can get it from is myfico and equifax (score watch).

Re: CreditCheck(R) Total

Anonymous — Fri, 20 Feb 2009 15:58:03 GMT

@Anonymous wrote:
People like CCT because they are the only source in which you can pull the 3 bureau reports everyday. When it comes to FICO scores, the only site you can get it from is myfico and equifax (score watch).

So you're saying that you can pull my reports every day for free or just have the ability to? I can pull from here but they're going to charge me every time I do it, right? And if so, am I to understand that I will only be able to pull the reports on a daily basis for free once my 7-day trial has expired?