NationalCreditReport.com is a website owned by One Technologies, L.P., and devoted to showing how your credit works in the real world. Your score is subject to a number of factors and can be brutally destroyed by just one incident of identity theft. You can find helpful information here if you want to learn more about what you can do for a safer consumer experience, and you can also sign up for identity protection that offers insurance and monitoring from all 3 major credit bureaus.
What We Like
One of their frequently asked questions is about security, and they talk about encrypting their site with Secure Sockets Layer technology and they also broadcast their McAfee secured status. It’s always encouraging to see this type of consideration and communication being paid to keeping data safe from criminals. Even if all of the other sites have the same benefits, they’re generally not advertising it so it’s good to see it all upfront before you actually choose them. They have a Dispute Center as well so you can explain any discrepancies you see in the reports you receive, and they also offer a way to see how your score changes over time. Having all of this information conveniently at your fingertips can mean smarter decisions for your finances, making this an important service even if you’re never targeted for identity theft. It also provides alerts when they suspect any type of fraud.
What We Don’t Like
There are several questions about their company that aren’t really answered by the website which makes us nervous to recommend this. The site itself is basic with a stock photo and buzz words about keeping yourself safe. The actual substantial information is few and far between. The price is also extremely high for what you get, at almost $40. There’s nothing in here about protecting your family, checking illegal websites on the Dark Web or public record monitoring. They offer a service for checking sex offenders, however they do not advertise it in their list of services (which is already rather limited), rather you can find it in the FAQ section. This throws doubt onto their communication and organization. One Technologies also has over 200,000 complaints against it, according to the Federal Trade Commission, and their website are consistently associated with confusing customers to sign up for credit monitoring that they do not need to pay for. While NationalCreditReport does offer more services than just credit monitoring, it’s clearly their main claim to fame.
The Bottom Line
The website and the reviews do not inspire us to speak highly of their plans, despite their nod to security and encryption on the site. Even if you were looking for the basic protection it offers, you can find it cheaper elsewhere and through a more reputable company. NationalCreditReport seems to offer protection based on your scores, and doesn’t offer any type of Lost Wallet Assistance, document recovery or restoration services.
How NationalCreditReport Works
Triple Bureau Reports: When you sign up on NationalCreditReport.com, you receive your scores and information from TransUnion®, Equifax®, and Experian™.
Credit Monitoring: Every day this company will check your credit scores and let you know if there are any changes, allowing you to feel more confident in your daily expenditures and activities.
Score Tracking: Between ScoreTracker™ and ScoreCast™, you’ll be able to how your spending activity influences the way creditors see you. We all have options when it comes making purchases, and you may surprised at all there is to know about your financial health. This site also gives you tips about the details of your daily habits. It answers questions like whether or not you should use cash, debit or credit or how much of your available credit line you should be using. These answers are easier to understand when you have access to your reports every day.
Insurance: Receive up to $1 million in protection through AIG should your identity be compromised.
Dispute Center: A specific department to call should you feel information is inaccurate or otherwise odd.
NationalCreditReport Plans and Pricing
You can sign up for their one plan by filling out a form online. There is a free 7 day trial offered, and you would need to call to cancel the plan within that time period. Should you cancel after your membership is activated, you will not be billed after that. An interesting fact is that on their form, it asks what your primary purpose is for wanting to know your credit scores. It does not ask you the primary reason you want to protect your identity.
- Instant Credit Reports and Scores From All Bureaus
- Daily Credit Monitoring
- Alerts For Any Credit Profile Changes
- ScoreTracker™ and ScoreCast™ to Track Credit Scores
- $1 Million in Identity Theft Reimbursement Insurance
- Dispute Center to Quickly Resolve Discrepancies
- Regular Price: $39.95/mo
NationalCreditReport Member Support
You can call their customer service team any day of the week during the following hours (in Central Time) or send a letter to One Technologies.
General Support: 1-888-550-1945
Monday – Friday: 8 a.m to 8 p.m. CT
Saturday: 8 a.m to 5 p.m. CT
Sunday: 12 p.m to 6 p.m. CT
National Credit Report, a Product of One Technologies LP
4447 N. Central Expressway
Suite 110 PMB 406
Dallas, TX 75205
NationalCreditReport History & Info
One Technologies owns the following websites: ScoreSense.com, FreeScoreOnline.com, FreeScore360.com, NationalCreditReport.com, CheckYourCredit.us, CreditReportCenter.us, CreditScoreCenter.us, CreditScoreOK.net, CreditScoreTracker.net, TripleScores.us, YourCreditScores.co, and FS360.co. Their website talks about their commitment to providing affordable services in technology and analytics, even if it’s at the expense of their company. However, their company has fallen under suspicion by both consumers and government officials.