Credit Check Total review: All 3 FICO scores for just $1

homepage of credit check total

Here at Cafe Credit, we’re hunt for tools that can help everyday people achieve their credit goals. CreditCheck Total is one product that can help you protect your identity and stay on top of your credit.

With CreditCheck Total, you can attain your FICO 8 credit scores from the three major credit bureaus. However, is $29.95 a month too steep a price to pay for that information?

This is everything you need to know about CreditCheck Total.

3 Bureau Credit Scores

When you need a mortgage, it’s important you know what your FICO 8 credit score is, as it’s the one banks use to determine whether or not to lend you money and at what interest.

There are several credit card companies that will give you this FICO 8 credit score for free, but many credit monitoring services such as Credit Karma or Credit Sesame show your Vantage 3.0 credit score.

CreditCheck Total is different. They calculate your FICO 8 Credit Score from all 3 credit bureaus. They make it clear which bureau calculated the score. If one bureau’s score is lower than the others, you have the power to research why.

I recommend that anyone in the market for a mortgage should consider the $1 7-Day CreditCheck Total Trial Membership. One dollar is a small price to pay for peace of mind, and uncovering an error could save you tons of money.

770 FICO score from Experian

CreditCheck Total also gives a picture heavy explanation of the factors that influence your credit score.

factors influencing your credit score

3 Bureau Credit Reports

Besides the 3 Credit Scores, you’ll get a monthly copy of all 3 credit reports. Once a year, you can get one copy of each credit report for free from However, you might enjoy comparing and contrasting the three reports. Free services like Credit Karma offer only a TransUnion Credit Report.

Do you need credit reports from all 3 bureaus? Most of the time, you won’t need all 3. One report is as good as another.

However, you might want to see all 3 credit reports in these situations:

  • You’re about to shop for a mortgage or auto loan.
  • You’re not sure if all 3 credit reporting bureaus removed errors from your credit report.
  • You want to catch any fraudulent activity right away.

If you sign up for CreditCheck Total, you’ll probably find a few minor differences among credit reports. For example, each credit bureau had a different length of history calculation. Unless the variable has a negative effect on your score, you don’t need to worry about it.

credit accounts age table

Credit score simulator

CreditCheck Total also offers one of the market’s most robust credit score simulators. Are you planning to take on a mortgage or a new loan? CreditCheck Total will show you how it will affect your credit.

Are you facing a cash crunch that leaves you unable to pay a bill? CreditCheck Total will show you what will happen if you pay late or default on a loan.

If you need to fix your credit, you might find the credit score simulator engaging and helpful. The simulator even allows you to “move your credit score through time.” If you need to answer, “How long until my credit is better?” CreditCheck Total’s simulator holds the answer.

750 credit score for a mortgage

Sign Up and Cost

If you want to learn what your credit score is, you’ll need to go through the site’s four-part signup process.

It begins with providing your name, social security number and present address. You’ll also be asked about previous addresses and loans. This is to keep people from hacking your account.

It’s a simple process, but the drawback is that it doesn’t let you auto populate the information.

sign up form for credit check total

The cost to use the seven-day trial is $1. However, after seven days, you’re charged $29.95 a month. You’ll need to call to cancel the service before day seven to keep this from happening.

However, if you choose to stick with the site, you’ll have access to 3 Bureau Credit Monitoring, a committed fraud resolution team and $50,000 identity theft insurance service. You’ll also get its “Lost Wallet Protection,” which means the company will cancel your debit and credit cards if you let them know you’ve lost your wallet.

Final Verdict

The $1 7-Day CreditCheck Total trial is a valuable option for anyone who wants to take out a loan or clean up identity fraud. However, most people will find the 3 Bureau scores and reporting to be overkill. Don’t bother with the $29.95 monthly subscription plan. Instead, focus on annual 3 bureau credit reports and free credit score options.