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Thoughts on CreditCheck Total?

Rizvi1 3,381 119 November 10, 2015 at 08:28 AM
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CreditCheck® Total's been charging me $30 a month. Today after getting my latest free monthly 3-bureaus report & score refresh, I wanted to cancel it before they charge me $30 again in 2 days. But on the phone they offered me half off for 2 years to keep it. So just $15. Is it worth it or are their other monthly credit monitoring services that are better and/or cheaper? For now, I've said yes.

I tried to cancel earlier in the year and they gave me the half off promotion for just 6 months (which I took). So this is a new improvement.

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#2
Quote from Rizvi1 View Post :
CreditCheck(R) Total's been charging me $30 a month. Today after getting my latest free monthly 3-bureaus report & score refresh, I wanted to cancel it before they charge me $30 again in 2 days. But on the phone they offered me half off for 2 years to keep it. So just $15. Is it worth it or are their other monthly credit monitoring services that are better and/or cheaper? For now, I've said yes.

I tried to cancel earlier in the year and they gave me the half off promotion for just 6 months (which I took). So this is a new improvement.
Discover provides cardholders their score for free on a monthly basis. Maybe that's not as comprehensive as you're looking for but just letting you know
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#3
Why are you paying for access to your credit report and score? There's no reason to care about your credit score unless you will be applying for credit (car loan, mortgage, new CC) soon.

You are entitled to one free credit report from each of the three bureaus every year. I'd recommend staggering them, so request one report from a different bureau every four months. Set a recurring event on your calendar to remind yourself when you can pull the report again after a year. This doesn't give you a score.

Some credit cards provide you with a credit score every month or two, as jbonez21 mentioned.

If you want more frequent updates, you can see your credit report and some score estimates for free from Credit Karma, mint.com, or Credit Sesame.
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#4
I've kept track of my credit score for free from Capital One, Discover and Citi...They pull scores from Experian and TransUnion.
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#5
Credit Karma works great to notify you if anything on your credit report changes. In my case, I found out almost instantly that someone opened a credit card in my name.

Also, the score credit Karma gives you will not be your exact fico score, but it gives you a decent idea of where you're at.
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