It was time to flip Scott’s 0% balance transfers to new cards. Just before I submit the applications, I like to pull our credit report to make sure that everything is in order.
I’m always on the lookout for another free way to get a copy of our credit report. After some research I found Credit Check Total had just what I needed… and just in time for Free Money Friday!
Free Credit Reports and Scores
Credit Check Total offers a free 7 day trial. You get all 3 credit reports and scores from all 3 credit bureaus.
Here are additional details from Credit Check Total:
- 3 Free National Credit Reports and Scores with 7-day trial to Credit Check Total Credit Monitoring.
- Unlimited Experian®, TransUnion® and Equifax® Reports and Scores for only 19.95/month.
- Automatic, daily monitoring of all 3 national credit reports from Experian®, TransUnion®, and Equifax®.
- Email alerts of key changes to any of your 3 national credit reports.
- Monitoring with Experian begins within 48 hours of enrollment in your free trial.
- Monitoring with Equifax and TransUnion takes approximately 4 days to begin, though in some cases cannot be initiated during your trial period.
Cancel
Make sure you cancel! After the 7-day free trail offer ends there is a $19.95 charge per month. Even though the terms say that “You may cancel your trial membership any time within 9 days of enrollment without charge,” I would play it safe and cancel in the 7 day window.
To cancel this one, I couldn’t find an online option, so you’ll have to call: 1-866-506-7894.
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I user myfico to watch my score. They are so important nowadays I pay for the annual service. $40 or so.
December 5th, 2008 at 12:35 pm
@ Credit Man: Great reminder on My Fico. If anyone is interested, they also offer Free FICO Scores & Credit Reports to try it out first.
December 5th, 2008 at 1:40 pm
For the record, they do give you quite a hassle in trying to cancel. However, the good news is that if you try to cancel, they’ll knock off $10 a month for 6 months trying to keep you. So if you decide you want to keep the service, go ahead and call them up anyways for the discount.
December 5th, 2008 at 4:52 pm
Credit Karma (CreditKarma.com) also has free credit scores. You don’t have to risk the 7 day trial thing either. The catch is that they aren’t FICO scores. Still they should give you a ballpark estimate.
December 11th, 2008 at 10:13 pm
Having to call and cancel would be a problem for me. I use CreditKarma for my score and then get my free reports quarterly. That seems to work. If I need more info, I’d go with My Fico.
December 12th, 2008 at 9:53 am
@ JBP: Good tip on a way to get a discount!
@ Lazy Man: Thanks! I’ll have to check out Credit Karma. I usually just need access to our reports to check utilization, but getting free scores is always fun. I’m off to check it out…
@ Simply Forties: That’s why I mentioned the calling part, I know some people hate to call!
December 12th, 2008 at 10:08 am
When I tried to cancel credit check total, the customer care center said i needed a pascode before i even spoke to a real person. did anyone else have this issue?
January 4th, 2009 at 1:02 pm
@ Eric: When my husband called, he didn’t need any kind of passcode. Did you try pressing 0 a bunch to get out of the automated system? Sometimes that works.
January 6th, 2009 at 9:28 am