Protect Your Identity With Credit Keeper ?
Credit Keeper is a credit management solution offered by HSBC. Credit Keeper offers a consumer tool set that helps monitor and diagnose credit scores and identity theft attacks. As a member of this service, users have access to their triple bureau credit score and the top rated credit monitoring service in the world.
In addition to the online tools, My Credit Keeper has available a handful of useful resources. Members can learn how to improve their credit. They can use a credit simulator to credit scenarios and they can use Credit Keeper’s library of templates and forms to dispute reporting errors. HSBC Credit Keeper is available as a monthly subscription. For user that sign up on the Internet, the service is free to try for the first 30 days. More information on the service can be found at their website at MyCreditKeeper.com. There are many different ways people can keep track of their credit score and report over the Internet and one of them involves using the services of Credit Keeper.
There are many people who have been using this service, however, is it really worth it? We would like to answer that question for you. In order to determine whether My Credit Keeper is worth the money it’s important to first discuss what people pay in order to use the services. Typically, people can join and get a one month free trial and then they have to pay about $9.95 a month then on. Now, this is where you have to really decide if Credit Keeper is going to benefit you. As a consumer, you have literally hundreds of companies to choose from, all offering the same fundamental service. Be picky. Pay for a service that is going to get you the most for your money. Lets take a look at what Credit Keeper has to offer to determine this service will be in our wallets’ best interest.
Credit Monitoring Service with Credit Keeper Gives You …
The main advantage of this program is that users are able to view their credit report from all of the three main credit agencies- which are Equifax, Transunion, and Experian. This is good because each agency matters and if two provide clean reports and one doesn’t that can still have a negative effect. To add to that, people can view these reports on a daily basis, which really helps those who want to stay on top of their credit in every way.
One of the biggest complaints among current customers is that you can update and review your credit report an unlimited amount of time for the first month, after that, it can only be done once a month. Many customers feel that the reason to pay for this service in the first place is to review their report on demand. When receiving a credit score from Credit Keeper, know that it is not the same score figure that creditors and major banks are looking into. You are given what people call a FAKO (which basically means fake-o) score. This “FAKO” score is distributed among all reporting agencies because FICO scores pertain to Fair-Issac who has a closely held algorithm to determine your credit score. The FAKO score issued by Credit Keeper should be used as a guide to give you a ballpark-figure of where your FICO score is.
Decide if Credit Keeper Is For You
Beyond the essential credit monitoring service and FICO score, Credit Keeper doesn’t appear to offer much more than any other credit monitoring services. But, if you dig a little deeper you’ll find a wealth of tools and apps you can use to improve your overall credit rating. For example, they have a nifty interest calculator that goes beyond what can be found free over the internet.
You may want to take advantage of the free trial month they have to offer if you want to take a peek at your credit report. If you are not satisfied, you can always cancel. In the early days of the service, past customers complained that trying to cancel the service is a tedious and frustrating ordeal and coined it “the creditkeeper scam‘. You may find a customer service agent selling you the benefits time and time again, and may even offer your a monthly discount to remain a customer. The good news is that now you can cancel at anytime online, on the phone or via email. In the end it is up to you to see if Credit Keeper is in your (and wallet’s) best interest.