Credit Report Reviews & Comparison

Editor's Note:

There are currently no special offers for Fast3Credit.com, but this doesn't detract from the fact that they are competitively and fairly priced.

Summary

Fast3creditscores.com is a credit report company with over 20 years worth of experience that offer you straight forward services and an intuitive website. You can expect fast, easy to navigate credit reports and scores, daily credit monitoring services and more for a competitively priced monthly fee. If you want ease of use and peace of mind, they might just be the credit report company for you.

Overview of Pricing

When you sign up you will receive access to a 14 day free trial offer. This is a respectable trial period, with most credit report companies' only offering trials for 7 days. Normally these trials are not free either, costing a refundable fee of $1 so you definitely get more from Fast3CreditScores. After the 14-day trial, your monthly membership fee will be a meagre $14.99 a month.

Are you looking for access to all three of your credit reports and scores, but finding that it's not as easy as it looks? Many credit report companies out there pull you in with the lure of a three bureau credit report and score, but end up only actually offering you one- or even worse, a credit score from another bureau altogether! Add that to the fact that many of them offer you services upon services and you might just get a little overwhelmed. So how do you know who to trust to give you the simplest yet most worthwhile information in this competitive market? Well you need a company that simply does what it says it'll do. Fast3CreditScores.com offers you basic yet impressive services that will get exactly what you need done in record time, so let's take a look at what's on offer for you.

Credit Monitoring, Reports and Scores

Fast3creditscores.com is a credit report company with over 20 years worth of experience under their belts. They aim to offer you straight forward services that don't mess around. You can expect fast, easy to navigate credit reports and scores, as well as daily credit monitoring services. There are premium features if you want a little bit more too, with daily alerts and an impressive array of identity theft support services.

Using the website is easy to navigate and consistent throughout, with an exclusive member's area that makes sure that you have everything you need to hand. All of your options are straight forward and clear, and you have the unique ability to both establish and change your credit monitoring alerts to suit your needs.

Identity Theft Protection and Tools

In addition to the 3 bureau monitoring services, Fast3CreditScores aim to provide you with top notch identity theft protection tools and services. They scan the internet's 'black market' to ensure that your personal and financial information (such as your social security number, credit and debit card numbers and your address) are not being used or sold on by a third party.

Their identity theft protection services work to monitor your credit records daily and will alert you immediately should any questionable activity occur. Errors and possible fraudulent developments will be detected and delivered to you quickly so that you can then work to deal with them. If you do happen to fall victim to identity theft whilst enrolled in their services, Fast3Credit will advise you and help you to take the necessary precautions when protecting your credit in the future.

Features and Highlights

Here is a quick rundown of all of the benefits that you can enjoy when you sign-up to Fast3CreditScores.com:

• Credit Report Updates From All 3 Major Companies
• Email And Text Alerts
• Identity Theft Insurance
• Access to Important Financial Information
• Monthly Updates

Sign Up Process

All you need to do to enrol is complete a few sections of basic information online. The first step requires your initial contact information, such as your name and address and the second screen requires you to enter your date of birth, create and verify a password, and enter your social security number and credit card information. This is industry standard so you need not to worry about the security of your details. Next you will be required to complete a short quiz of multiple choice questions that will assist in verifying your identity.

Customer Support

To raise alarm bells, this website doesn't offer traditional customer support services for prospective clients. There is no 'Contact Us' page so you need to consult the privacy policy or the terms and conditions pages to find out any necessary information before you sign up. Once you have joined you do gain access to a toll-free phone credit information line and live access to identity fraud support staff, but it's worthwhile to note that before you enrol, you can't contact them at all.

Pricing Issues

All new customers are entitled to receive access to a 14 day free trial offer which is both longer than most of Fast3CreditScore's leading competitors and is of course free (most credit report companies offer a trial for a $1 charge). After the 14-day trial is over, your monthly membership will renew for a competitive $14.99 a month.

Overall

There are some concerns that flag up when you decide to take a look at Fast3CreditScores. They promote 3 bureau credit scores as developed by CreditXpert Inc, but they don't make it clear to those who might take this at face value that they are NOT in fact the 3 bureau scores. Confused? They use the same data as the 3 credit bureaus as CreditXpert develop it, but it's not the exact data that lenders have access to. There is small print to notify you of this, so it's not as shady a feature as some other companies on the market may have.

You then have to take into account that they offer absolutely no mode of correspondence to non-customers. This isn't a particularly trustworthy feature for any company, let alone one that you should trust with your financial data. The last red flag comes in the shape of general opinion, there isn't much information around the web in terms of customer reviews and this in itself is unusual- let alone for a company who reports 20 years worth of experience.

There are credit report companies out there with much better features, customer support teams and services so make sure to take a look around before you make any decisions.