When your free online credit report is ready, you will receive an email containing instructions on how to view your credit report.
Your Username and Password will enable you to view
your credit report and future daily monitoring alerts
over the Internet in the most secure environment possible.
They give you instant access to an array of Members-only
benefits located in My
Credit Center.
With daily monitoring,
your Experian credit file is scanned every day to
see if key information has changed or if new data
has been added. You will receive a notification if
we detect that key information has
changed on your report. That way, you can identify
fraudulent activity early in cases where credit activity
is unfamiliar or unauthorized.
Rest assured that
CreditCheck Monitoring monitors your Experian
credit file on a daily basis and informs you of important
changes to your credit file. You will be sent an email
alert if a key change(s) is detected on your credit
file. If you are a new member, please note that it
may take up to 2-3 weeks from the date you ordered
to be enrolled in the daily monitoring.
The online credit report is free from us when you
try the CreditCheck Monitoring.
Because we are signing you up for a membership in
the CreditCheck Monitoring,
we need to verify your credit card information before
we can process your order. We will perform an authorization
on your credit card, to make sure it is valid and
in good standing, but we do not bill your card until
the 30-day free trial period has passed.
CreditCheck Monitoring scans your Experian ® credit report and notifies you of critical changes to your Experian credit file via email alerts. We'll notify you regarding new inquiries into your credit, potentially negative information, public records, new accounts, and address changes reported to the Bureau.
If you try it and decide it is not for you, please contact our Customer Care Center toll free at 1-888-888-8553. Your credit card will NOT be charged if you cancel during a free trial period. If for any reason you are not satisfied, you can cancel anytime to discontinue your membership and stop the monthly billing. However, you will not be eligible for a prorated refund of any portion of your current month's paid membership fee.
The free credit report with a free 30-day CreditCheck® Monitoring trial membership is a promotional offer for first-time customers only. If you have already tried the program and would like to enjoy the exclusive benefits of CreditCheck® Monitoring, including unlimited Free credit reports, then please click here to sign up for a full membership.
Although the credit report is free, the PLUS Score® is an addition that
you selected when you signed up. The PLUS Score
is not part of the special free credit report and
Monitoring trial offer.
Any reports ordered prior to you joining CreditCheck Monitoring can be viewed by simply clicking the My Past Reports link in My Credit Center for the duration of each report's availability.
The 3 Bureau report
includes your complete information from all 3 US credit
bureaus – Experian, Equifax, & TransUnion. A
single-bureau report contains your information on
file at one of those 3 bureaus.
When creditors report information to the credit bureaus, they can choose which bureau(s) they want to report to. Some report to only 1, whereas many report to all 3. When a creditor chooses only to report to 1 or 2 of the bureaus, the remaining bureau(s) will not have access to, and therefore will not include, that account information in your report.
For that reason, your scores may differ among your reports.
When creditors, landlords, and potential employers check your credit history, they can pull your credit report from any bureau(s). Some only check 1 bureau; some always check all 3. By checking all 3 yourself, you’ll be prepared no matter which bureau(s) they go to.
No, we don't charge your card unless your 3 Bureau Online Credit Report is delivered. We will not charge your card if:
(a) we are unable to process your request;
(b) you do not pass our authentication process;
(c) any of the 3 credit bureau systems are down.
Please note that when you complete the order process, your credit card may be authorized for a charge, but that does not mean that it has been charged.
After you pass our online authentication process, you will generally receive your online credit report and score within 30 seconds. However, if we are unable to automatically authenticate your identity, you will receive instructions for further verification.
Although we usually deliver credit reports to our customers within seconds, there are some instances that prohibit us from doing so. These include:
When there is not enough information to compile a 3 Bureau report for you.
Sometimes a credit bureau does not return information about a consumer.
When we are experiencing a technical networking issue.
When we are not able to verify your identity.
Please note, that we don't charge your credit card until we deliver your credit report. If we are unable to process your request, we will not charge you.
No, we don't charge your card unless we can authenticate you and deliver your report. If we are unable to process your request, we will not charge you. Please note that when you complete our order process, your credit card may be authorized for a charge, but that does not mean that it has been charged.
Your PLUS Score is calculated within seconds, as long as we are able to locate your credit report.
However, if we are unable to automatically authenticate your identity, or your report cannot be located, there may be a delay.
Your credit score
and report are available online for 30 days after
they are delivered. It’s a good idea to print a
copy for your records when you first view them.
Your PLUS Score is a user-friendly, consumer-focused credit score based on the information in your credit report. Your PLUS Score is calculated using a similar formula to those used by lenders, ranging from 330 to 830, with a higher score indicating lower credit risk.
Read More
About PLUS Score
Developed by Experian, a leading national credit bureau, the PLUS Score provides a more up-to-date look at how your credit score compares to that of today’s average U.S. consumer. The PLUS Score is derived from information in your credit report and can range from 330 to 830, with a higher score indicating lower credit risk.
Using the latest data on U.S. consumer spending habits, the PLUS Score provides the factors that drive your score up or down. More importantly, since each lender uses a different scoring method, the PLUS Score allows you to know where you stand regardless of which lender you turn to for your borrowing needs.
If you have ordered
your FREE credit report or Instant Single credit report,
it only includes your Experian credit file. In order
to view all three of your credit files in a single
report, you can order your 3 Bureau Online Credit
Report and see it in seconds.
You'll also get a FREE credit score based on your
Experian credit report.
Log in to order your
3 Bureau Online Credit Report now!
No, we don't charge your card unless we can authenticate you and deliver your report. If we are unable to process your request, we will not charge your card.
You will generally receive your online credit report in 30 seconds. However, if we are unable to authenticate you online, you will receive instructions for further verification.
Your report is available online for 30 days after it is delivered. It’s a good idea to print a copy for your records when you first view it. If your report has expired, you can either order a new report or sign up for CreditCheck® Monitoring and receive unlimited free reports with your paid membership.
Yes, the process of sending and receiving your information is encrypted using Secure Socket Layer (SSL) encryption.
This technology helps ensure that your credit card information is protected.
Preferred web browsers are: Netscape Navigator 6.0 or higher, Internet Explorer 5.0 or higher, or AOL 8.0 or higher.
Our company has passed the rigorous security screening processes set up by ICSA and the credit reporting companies, and we have also
partnered with VeriSign, Inc. To read more about our security measures, see our security page.
The information that you provide is used to verify your identity.
This information remains on our secure database to ensure confidentiality of your request.
Additionally, we remove the credit report from our database after 30 days.
(The credit reporting companies will always keep your record, of course).
We do not resell or provide your credit information to any third-party marketers.
Please see our privacy policy for full details about how we protect the information you submit to us.
Anytime your credit report is pulled - including when you order
a copy of your credit report directly from the credit bureau - an
inquiry is added to your report. Only some of those inquiries appear
to creditors and therefore impact your credit rating. Inquiries
that were made for credit cards or loans for which you applied will
be shown to creditors. Inquiries added when you request a copy of
your credit report or when an employer checks your credit report
do not appear to creditors. Consumerinfo.com is pulling your credit report
on your behalf, so the inquiry on your credit report will not be
shown to creditors and will not affect the calculation of
your PLUS Score.
However, ALL inquiries will be displayed on copies of your credit
report that you order from any of the credit bureaus. This is done
so you know who has been looking at your credit. Some inquiries
on your report are accompanied by a description of why the report
was pulled. For example, the Consumerinfo.com inquiry is called a "Disclosure,"
which means it was ordered for your information.
For first-time membership orders, we don't charge your card until after your free trial period. For returning membership and/or transactional product orders, we don't charge your card unless you get your credit report or you complete the request; however, if we are unable to process your request, we will not charge your card. Please note that when you complete the order process, your credit card may be authorized for a charge, but that does not mean that it has been charged.
The credit reporting companies maintain credit files on individual U.S. residents only.
They do not maintain joint files for spouses. Only accounts that are in both your names or those for which you
are an authorized user will show up on your report. Therefore, your credit report is separate and different from your spouse's.
To request an investigation into information you don’t agree with on your credit report, you should write directly to the credit reporting bureau that supplied the information.
A credit bureau has 45 days to investigate disputes regarding possible inaccuracies on credit reports. The credit bureau must then give you the results in writing.
No. Under federal laws, any person who knowingly and willfully obtains information on a consumer from a Credit Reporting Agency under false pretenses (for example, getting a credit report on an individual
without his/her permission) shall be fined under Title 18 United States Code, or imprisoned for not more than 2 years, or both.
Yes. The Fair and Accurate Credit Transactions Act (FACT Act) allows consumers to get one free comprehensive disclosure of all of the information in their credit file from each of the three national credit reporting companies once per year through a Central Source. To obtain that free report, you must go to www.annualcreditreport.com.
In addition, consumers also have the right to a free credit file disclosure directly from the credit reporting companies if (paraphrased) they:
are the recipient of an adverse action (for example, denial of credit) due to information contained in their credit file
are unemployed
are a recipient of public welfare assistance
have inaccuracies in their credit file due to fraud
The
federal Fair Credit Reporting
Act(FCRA) is designed
to promote accuracy, fairness,
and privacy of the information
in the files of credit
reporting companies. Please
click
here for the
summary of your major
rights under the FCRA.
If you have forgotten your Username or Password, use our reminder form. Enter the full name
and e-mail address you used when registering with us and click "Submit". You will then be prompted to answer the question
you chose as your "Reminder Phrase". If you answer this correctly, you will receive your Username and Password.
Generally, we
can authenticate you online immediately after you
place an order. If you order a product that is delivered
instantly, and we are unable to verify your identity
online, you have the option of going through further
verification. We then deliver you a private access
code via U.S. mail within 5 to 7 days, which provides
you full access to your report online. For your protection,
if we are still unable to verify your identity, you
will be asked to call to verify your identity by phone.
Once your information is verified, your identity will
be manually authenticated. You will receive an email
confirming the outcome within 3 business days. If
your information is verified, your login information
also will be provided in this email. You can then
login at the site to view your report, which will
be available online for 30 days.
The Fair and Accurate Credit Transactions Act (FACT Act) was signed into law in December 2003. The FACT Act, a revision of the Fair Credit Reporting Act, allows consumer’s to get one free comprehensive disclosure of all the information in their credit file from each of the three national credit reporting companies once every 12 months through a Central Source.
The FACT Act required that the national credit reporting companies establish a central source though which you will request the statutory free annual credit file disclosures. To obtain that free report, you must go to www.annualcreditreport.com.
You are entitled to receive your free statutory annual credit file disclosure from each of the three national credit reporting companies: Experian, Equifax, and TransUnion. Remember, your request must be placed through the Central Source.
The FACT Act entitles consumers to get one free statutory credit file disclosure from each of the three national credit reporting companies once per year. Because of state law, residents of Georgia can receive two free credit reports per year.
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