Take control of your credit AND protect yourself against events that would damage your credit score and credit report.

Getting your FREE Credit Report & Credit Score is the first step in knowing your credit. Monitoring your credit report allows you to stay on top of your credit on a daily basis and can protect you from identity theft, incorrect bills and misreporting of your credit history.

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Experian Credit Score & Repor Instantly! See the same information lenders see!


See Sample Report: View Sample Report


Under a new Federal Law, you have the right to receive a free copy of your credit report once every 12 months from each of the three nationwide consumer reporting companies. To request your free annual report under that law, go to



Checking your own credit report will NOT lower your score!



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Bonus Features

You Deserve To Know
See what the lenders, dealers and banks use to determine your rate.

Professional Credit Monitoring
Use our 7 Day TRIAL and see the impact of financial changes instantly. Get notified via email or online every time there is change in your credit.

Protect Your Identity
Up to $20,000.00 in AIG Identity Theft Insurance to guard your standing against identity theft and fraud.

We're Here to Help
If you fall victim to identity theft, our vendor will work throughout the process, answering your questions, contacting creditors and agencies on your behalf, and doing anything needed to fix this complex and difficult problem.


Fast Facts

Did You Know?
Checking your own report and score is counted as a "soft inquiry" and doesn't harm your credit at all. Only "hard inquiries" from a lender or creditor, made when you apply for credit, can bring your credit score down a few points.

Did You Know?
Negative records such as late payments and collection accounts will remain on your credit report for 7-10 years. You can keep your future finances healthy by spotting issues early.

Who can order a credit report?
A Consumer may request his or her own credit report at any time. You may not request a credit report for another consumer. Access to a consumer's credit information is regulated by the Fair Credit Reporting Act ("FCRA"), and administered by the Federal Trade Commission. Obtaining a credit report under false pretenses, or improper use of a credit report is a violation of federal law.



What is a credit report?


A consumer credit report is a document containing a factual record of an individual's credit payment history. Credit grantors are permitted by law to review credit reports to objectively determine whether to grant a consumer credit. Lenders usually report consumer credit payment information to the credit bureaus. Most of the information in a consumer credit report comes directly from the companies consumers do business with.

What kind of information does a credit report contain?


Your Experian credit report contains four types of information: identifying information, credit information, public record information, and inquiries.

Identifying information includes:


  • Your name
  • Your current and previous addresses
  • Your Social Security number
  • Your year of birth
  • Your current and previous employers
  • If you're married, your spouse's name
  • Credit information includes credit accounts or loans you have with:
    • Banks
    • Retailers
    • Credit card issuers
    • Other lenders
  • Public record information includes any information that's contained in state and county court records, like:
    • Bankruptcies
    • Tax liens
    • Monetary judgments
  • Inquiries indicate to other credit grantors that you have applied for new credit, which could result in additional debt. Potential lenders may view multiple recent inquiries on your credit report as a sign you may be overextending yourself.


What is credit monitoring?


Credit monitoring is the act of monitoring your credit report for key changes like inquiries or the opening of new accounts. Such changes to your credit report could be indications of unauthorized activity like fraud or identity theft.


Why is it important to monitor my credit report?


Your credit report can change daily as creditors and lenders report new information about you to the credit bureaus. And with identity theft on the rise, it's recommended that you check your credit report regularly for signs of fraudulent activity. CreditCheck® Monitoring checks your report daily and notifies you by email when key changes are detected because early detection is key to minimizing the damage that mistakes and ID theft can have on your credit. So start with your free credit report and 30 days of free CreditCheck Monitoring now!


What does this free offer include?


This promotional offer for first-time customers includes a free copy of your credit report with your free 30-day trial of CreditCheck Monitoring. Your free trial membership also includes daily monitoring of your credit report and email alerts of key changes to notify you of information that may indicate fraudulent activity. After your trial, your full membership also includes unlimited credit reports, giving you the information you need to understand where your credit stands. We're sure that once you try it, you'll agree with how valuable CreditCheck Monitoring can be for your credit peace of mind.


Why should I be worried about identity theft?


Identity theft can affect many aspects of your life, causing you to be turned down for credit, denied a home rental, and could even cost you a new job! CreditCheck Monitoring takes the work out of constantly checking your credit report by monitoring your credit daily for you and sending you email alerts when key changes are detected. And don't forget that you also have unlimited credit reports with your full membership. Spotting signs of fraudulent activity early is key to minimizing the damage it can do to your credit.




A credit score is a three-digit number that lenders and creditors use to determine a consumer's credit worthiness. A higher credit score could qualify an applicant for lower interest rates and better terms on a loan or credit card, which could translate into a savings of hundreds or thousands of dollars over the life of a loan or the duration of a credit card account.


Credit scores are calculated based on the data in your credit reports. They can change over time, sometimes on a daily basis, based on activity and changes to your credit reports. That is why it's important to stay on top of your credit reports for key changes that could affect your credit scores, something credit monitoring does automatically. It's the fastest, easiest way to stay on top of your credit, other than pulling your credit report on a daily basis, something you can do as a paid member of CreditCheck Monitoring!


So take advantage of your free credit report and 30-day free trial of CreditCheck Monitoring.*


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