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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.
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What
are daily monitoring alerts? |
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With daily
monitoring alerts, 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 whenever we detect that essential information has changed
on your report. That way, you can identify fraudulent
activity early in cases where credit activity
is unfamiliar or unauthorized.
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When
will I receive my first daily monitoring alerts? |
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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.
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Why
do I need a valid credit card for a free credit
report? |
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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.
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Which
bureau's credit report does CreditCheck
Monitoring monitor for me? |
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CreditCheck Monitoring scans your Experian®s; 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.
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How
do I cancel my membership? |
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Isn’t
it nice to know you have the security of a satisfaction
guarantee when you order the CreditCheck
Monitoring? 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.
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How
can I switch my offline membership to an online
membership in order to get my credit reports
online? |
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It’s easy
to upgrade to online delivery and there’s
no extra charge! You’ll be able to conveniently
view your reports online, plus you'll receive
daily monitoring alerts by e-mail that
informs you of important changes to your credit
file. Just give our Customer Care center a call
at 1-888-888-8553 and let us know that you’d
like to access your reports online through our
secure Web site. We’ll upgrade your membership
for free!
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Why
am I not eligible for another 30-day free trial
membership? |
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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.
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Why
was I billed for my score? |
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Although the credit
report is free, the PLUS Score is not part of the special free credit report and monitoring trial offer.
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The
reports that I ordered prior to joining CreditCheck Monitoring are missing.
Can I still view them? |
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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.
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How
long will my online credit report be available? |
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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.
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How
is a 3 Bureau credit report different from a
single-bureau credit report? |
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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. |
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Why
is my credit report and PLUS Score different
among the 3 bureaus? |
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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.
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Why
is it important to check my credit report &
credit score at all 3 bureaus? |
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When
creditors, landlords, and potential employers
check your credit history, they can pull your
credit report & credit score 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.
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Where
can I find out how to read my 3 Bureau Online
Credit Report with PLUS Score? |
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Please read the Report Key for the 3 Bureau Online Credit Report. |
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I
wasn't able to receive my 3 Bureau Online Credit
Report or the transaction failed. Was I charged? |
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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.
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How
long does it take to get my 3 Bureau Online
Credit Report and PLUS Score? |
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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. |
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Why
didn’t I get my credit report? |
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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.
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How
long will my 3 Bureau Online credit report be
available? |
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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.
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Where
can I find out more about my PLUS Score? |
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More information about your PLUS Score can be found here. |
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I
wasn't able to receive my PLUS Score. Was I charged? |
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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. |
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How
long does it take to get my PLUS Score? |
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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.
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How
long will my online PLUS Score and report be available? |
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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.
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What
is a PLUS Score? |
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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.
About PLUS Score
Developed by Experian, a leading national credit bureau, the PLUS Score gives you a more up-to-date look at how your credit rating 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 will help you learn the factors that drive your score up or down so you can improve your overall credit rating. More importantly, since each lender uses a different scoring method, the PLUS Score gives you the security of knowing how you rate regardless of which lender you turn to for your borrowing needs.
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Why
can't I see my Equifax and TransUnion files on
my credit report? |
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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! |
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Where
can I find out how to read my Instant Single Credit
Report? |
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The User Guide for the Instant Single Credit Report can be found
here.
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I
wasn't able to receive my Instant Single Credit
Report. Was I charged? |
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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.
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How
long does it take to get my Instant Single Credit
report? |
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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.
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How
long will my credit report be available? |
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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.
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Is
the transaction safe? |
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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.
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What
will happen to the information I enter? |
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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.
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Will
receiving my credit report through Consumerinfo.com
appear as an inquiry on my credit report? |
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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.
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I
don't have a credit card. Can I still purchase
a credit report? |
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Currently, we only accept credit card payments.
Our system is not set up to accept checks or cash at this time.
We apologize for any inconvenience.
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What
is the refund policy if the transaction fails? |
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We don't charge your card unless you get your credit report or you complete the request.
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.
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Where
is my report? |
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Will
my spouse's name and information appear on my
report? |
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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.
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How
do I dispute possible inaccuracies on my credit
report? |
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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.
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Can
I order someone else's report? |
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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.
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Isn't
everyone entitled to one free credit report annually? |
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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
For more information, please see the Fair Credit Reporting Act.
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What
if I forget my Username and Password? |
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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.
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What
is your authentication process and what happens
if I don’t get authenticated instantly? |
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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.
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FACTA
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.
Will everyone be able to get their free statutory annual credit file disclosure at the same time? Consumers will be able to get their statutory annual credit file disclosure beginning Dec. 1, 2004.
How can I request my free statutory annual credit file disclosure? 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. Which credit reporting company’s free statutory annual credit file disclosure do I receive? 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.
How often can I get a free credit file disclosure? 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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