Credit Check Total Scam or Legit?

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After a review of Credit Kama here on FinanceGourmet, a reader asked if I would look into another service he had found called Credit Check Total at creditchecktotal.com.

Credit Check Total Review

Credit Check Total ReviewWith many financial services, the reality of the offering differs significantly from what the bold, large-type headline suggests. The Credit Check Total website leads with the bold headline that you can “see your whole credit picture” of all three credit reports and credit scores for just $1. The devil, as they say, is in the details.

Further down the page,  but to their credit, not buried in the fine print, is information you need to determine if this near free credit report offer is right for you, or if Credit Check Total is a scam. It says that when you order the $1 credit reports and scores, that you will automatically, and without the ability to opt-out begin a trial membership that costs $29.95 per month.

The real trick here is that you have just a 7-day trial period. If you don’t cancel during those 7 days, then those $1 credit reports actually cost you at least $30.95.

When I looked into whether or not Credit Karma was a scam, I was on lookout for whether or not they tried to get me to enter a credit card number or bank account information. After all, there is no reason to require a billing method if your service is actually free. However, a lot of so-called “free” offers are actually trial subscriptions to a credit monitoring service. It looks like Credit Check Total’s offer might have been designed to avoid that red flag. By charging a $1 for their reports, they offer a legitimate reason to need a method of payment (and to test that it works).

There is no reason to pay $30 per month for a credit monitoring service. There are plenty out there that will do it for much less.

If that weren’t enough, the credit score offered through the creditchecktotal.com website isn’t even a real FICO credit score. The fine print says that it is calculated using the Plus Score Model and is for educational purposes only. As I have mentioned before, having the exact FICO score isn’t necessary since you should really just focus on making sure that whatever score you are using doesn’t go down. However, for $360 per year, you should at least get a FICO credit score included.

I do not recommend signing up for this service, even if you intend to cancel before the trial period is up. There is just no added value beyond getting your regular free annual credit reports.

Cancel Credit Check Total

If you go against my advice to not sign up for CreditCheck Total, then you will need to cancel your service to avoid paying a very high monthly fee.

If you insist on signing up, check to see if your credit card offers a temporary number. Many cards allow you to generate a temporary number online. Set it to expire next month, and if possible, set a maximum limit of $5. You can use a one-use number or set the limit at just $1 because they charge tax, and they do a reversible authorization on your card of $1 in addition to the actual $1 fee, probably to detect one-time use numbers.

Cancelling Credit Check Total before the trial period is up is necessary to avoid being charged the full credit monitoring service fee. Technically, you have nine days after you sign up for your $1 credit reports because it takes 48 hours for your monitoring to actually start. This is nice. At least the clock isn’t ticking while you aren’t getting anything. However, remember, this is not the typical 30-day trial that you often see for these services. In fact, the window to cancel is so short, I recommend cancelling immediately after you get your three credit reports.

How To Cancel Credit Check Total

According to the Terms of Service posted on their website, you can cancel the recurring credit monitoring service by calling 1-866-506-7894 or by using the website. Don’t wait until 5:00 p.m. on the last day as there is some fuzzy language about time zones and periods in the TOS.

 

 

 

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4 Comments on Credit Check Total Scam or Legit?

  1. Crystal says:

    This credit website is truly not accurate. My score was registered about 100 points less each score than I should be. I signed up for the single transunion score so I know that accurate score but wanted a site that reports all three and updates regularly. Not just 1 time every 3 months like identity guard!!! So I called in to cancel and had to be so firm with them I was almost rude. The guy almost refused to cancel service. I gave him every reason possible to counter his spiel. I finally put it to a dead halt and asked to speak to his manager. He said ok I’ll cancel after the trail period. That started another argument. I said I wanted it immediately. If not I would put a hold so no more funds could be withdrawn. That shut him up fast!!! Be firm with them. And when u first dial in don’t press the cancelation option on the menu so u will be able to speak to a real person, not a message saying no one is in or can take ur call!! Better yet don’t buy it in the first place. Lol

  2. Terrence Urbanis says:

    All of a sudden about 3 weeks ago I was deluged with emails indicating that my credit score had been increased, some indicating substantially. Curious about this since I have lousy credit I tried the CREDITCHECK Total this a.m. and when I got to the last page to sign in I got the “sorry your username and password are no good. So, I emailed EXPERIAN and told them to cancel service and I called the phone number and after I explained what happened, the woman said she had to verify who I was although all that information was in the forms which had been filled out. She wanted to go through all/most/some of the items I may have had on the Experian credit report and I said no, that I was paying a dollar for whatever information was available. I was supposed to wait 2-4 hours to attempt another connection to the report. Anyway, in the past I had tried to get a free annual report from one of the services and the form I had to fill out required more information than I had to give while in the Navy applying for a ultra top secret clearance. Was it the intention of Congress to allow these 3 bureaus to ask for your life’s history from conception to present day?

    There is another old scam coming around and that is kind of like, “you are such an outstanding leader in your community we’d like to put your name and bio in our annual book, etc”. They don’t mention a fee but I recall it was substantial and I think the book actually never got published.

  3. […] example, Credit Check Total asks for your credit card number. To avoid suspicion, they actually offer free credit reports and […]

  4. Edgar says:

    Its real not good web site
    they put their 1 $ after 3 moths their start charge me 90$ and its scam.This credit website is truly not accurate. They showing you its 1 $ after in hidden place they put automatic charge 29.95$. I real disopointed in this web site and they dont refund money. Good luck creditchecktotal

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