Credit Report Reviews & Comparison

Editor's Note:

There are currently no special offers for CreditReport123.com, but this doesn't detract from the fact that they are competitively and fairly priced.

Summary

CreditReport123.com is powered by Identity Guard, one of the leading credit report companies in the industry. As a result you get access to the entire intuitive, user driven features of Identity Guard, with a little less fuss. With more targeted credit monitoring services and great features to help you to maintain and rebuild your current financial status, you will be getting services that are quite unlike those provided by any other company. Competitively priced with two credit monitoring packages tailored to suit your needs, you can't beat their unique 30 day trial for a one off payment of either $1 or $3 depending on the package you need.

Overview of Pricing

If you are looking for a credit report company that focuses on your current credit standing and rebuilding your credit scores, CreditReport123.com will go above and beyond the services offered by any other provider. They offer you a tailored package (of either CreditProtect or CreditProtectX3) that is built to give you an up-to-date view of your current credit status as well as access to a well of important information to help you to get into a better financial position. For a one off payment of either $1 or $3, depending on the package you need, you will receive a whopping 30 day trial. Then for either $14.00 or $18.99 per month thereafter you can get the most informative monitoring services around.

When you are looking for protection against identity fraud and credit card fraud there are a whole host of credit report companies lining up to offer you the best monitoring services in town. This makes your job hard; just who do you choose to both keep track of your precious financial information and to notify you of any suspicious activity? Well, today we are taking a look at Credit Report 123 to see if their services will be the right match for your own personal credit monitoring needs.

Credit Monitoring, Reports and Scores

First impressions look good for Credit Report 123 as their services are powered by leading industry giant, Identity Guard. Their aim is to provide you with an up-to-date view of your current credit reports whilst offering you a website that's bursting with information where you can learn all you need to know about credit. They not only provide your three-bureau credit report and everything you need to know to both monitor and secure your credit information, but they hold a lot of extra features that will help you to enhance or retrieve your credit status; unlike some of the other major credit report competitors.

There are two different packages available to suit your credit monitoring needs and in addition each of the features that are laid out for both are thoroughly explained so that you know exactly what you’re going to get when you decide to signup.

Identity Theft Protection and Tools

Because Credit Report 123 is powered by Identity Guard you get access to their highly intuitive customer dashboard whenever you log into your account. Here you will easily be able to view your credit and identity details (such as your current credit scores) with images, clickable links and status updates so that you too have the power to detect even the most minor changes that could imply possible fraudulent activity in your name.

Credit Report 123 also provides a Credit Analyzer simulation tool which allows you to see exactly how your financial choices have an impact on your credit score; for instance you can see how an action as specific as applying for a home loan could affect your overall credit. This makes it easier to enhance your rating by helping you to manage your debts in a more sensible way and will work to help you to maintain your current status, if not to achieve a better credit standing in the near future, simply by making the right decisions.

Features and Highlights

Aside from the key features Credit Report 123 also provides:

With Package One- CreditProtect

• Equifax® Credit Report (with updates)
• Credit Score (with updates)
• Equifax® Credit File Monitoring
• Credit Analyzer
• Online Credit Management Tools
• $2,500 Identity Theft Insurance

With Package Two- CreditProtectX3

• 3-Bureau Credit Report (with updates)
• 3 Credit Scores (with updates)
• 3-Bureau Credit Monitoring
• Credit Analyzer
• Online Credit Management Tools
• $20‚000 Identity Theft Insurance

And both packages hold the following features, too:

• 30-day money back guarantee to every customer
• Identity Theft Recovery Unit
• Up-to-date fraud alerts
• Unlimited toll-free customer service phone line
• Free credit management guide

How is the Customer Service?

As is standard with most credit report companies, Credit Report 123 provides you with a toll-free customer service phone line that is accessible from 8 a.m. to 11 p.m. EST on weekdays- and from 9 a.m. to 6 p.m. on Saturdays. You can also contact the customer service team via email for both credit issues and technical inquiries, too.

There doesn't seem to be many complaints as far as the customer service team goes, they are quick to answer and helpful in general so you know that you won't be spending half of your day on hold.

The Sign up Process

The sign up process for Credit Report 123 is so easy to use that you'll be ready to go in minutes; simply enter your basic information, authenticate your identity (with secure information such as your Social Security number) and then state your credit or debit card number (which is necessary to purchase your 30-day trial subscription). As soon as they have all of this info you’ll have to answer a few quick questions about your credit history that only you would know. From here you’ll get access to all of your credit scores and reports from Equifax®, Experian® and TransUnion.

Pricing Concerns

For a one off payment of $3 you can receive your 30 day trial for CreditProtect. This becomes $14.00 per month after the initial trial period. For a one off payment of $1, you can receive your 30 day trail for CreditProtectX3 and this becomes $18.99 per month after the initial trial period. These prices are a little on the high side compared to some of their major competitors, but the features and services are worth the extra pennies if what they offer suits your specific needs.

Overall

So, Credit Report 123 has a good amount of features and has the potential to become one of the most comprehensive credit management companies around. Some customers believe that the negatives mainly lie with their package deals and pricing issues, as the CreditProtect plan offers less than some of its competitors (because the reports and scores come only from Equifax and not all three providers, and they are only updated quarterly) and the fact that they offer no free trials as of yet. On the whole, they do seem to be more than competent and they are definitely full of informational value so you should really go with your instincts on this one.