Credit Keeper is a monitoring company that can be used for a monthly fee, will send you notifications about your credit report and any changes that have been made to it. They have access to all three reports and scores from all three of the major bureaus. Credit Keeper has distinct pros and cons regarding their fee, their customer service, and the actual services they provide.
The program charges a monthly fee of $9.99 per month. If you have suffered identity theft, or is trying to reestablish your score, this is a small price to pay for direct reports from all three bureaus. Similar companies charge from around $12.99 per month to $130 per year, and that can only include one of the major credit bureaus. However, if you are simply trying to keep minimal tabs on your score, then there are free options that would be more suitable for you. They provide less information, but their free reports and scores are all you need if you have good scores.
Credit Keeper is also notorious for excessive late fees and other fees that go unexplained and must be removed through customer service. It is also next to impossible to cancel your account without jumping through hoops. Despite these hassles and fees, the program is available worldwide through Internet access, a feature that many similar monitoring companies do not offer.
Customer service from Credit Keeper also varies. There have been numerous reports of customer service representatives talking down to customers, and even refusing to cancel their accounts in the "best interests of the customer". However, this program also provides consultants and counseling. If you are trying to recover and manage your scores, these aids can be life saving. They provide quality information on how to improve your score and manage your debt and credit so that you can come out on top financially.
I believe it is very good at what it does. They provide quick and simply constructed information on your score and report, and they also include an analysis of how this score was calculated. The summaries provided by the program regarding your score may not always be the most helpful, as they tend to be vague. Another issue with Credit Keeper is that, while the information is accessible on their website, the site itself is clunky and outdated.
Customers may find it difficult to use. Unfortunately, you cannot go back and review old reports from Credit Keeper. They also keeps you updated daily on any major changes to your credit report. This includes inquiries from companies, new accounts opened in your name, and any negative additions to your report. In this modern world, identity theft is a very real threat; these constant updates can alert you to any changes that might hint at a theft.
Credit Keeper also does a good job at notifying you of inaccuracies in your reports. They also help you systematically find each one and work to correct it. These days, inaccuracies on your reports are dangerous; they damage your score and can even lead to jail sentences. The bad thing about this program is that it does not, however, allow you to directly file reports for inaccuracies on their website like other agencies do.
In the business of credit monitoring, Credit Keeper is not bad. While they do have problems with things such as their customer service and their excessive billing, they are true to their cause in providing you with the most update information regarding your credit.
Andrea DeLuca is something of a cross between a ninja & a warrior. Having overcame her battles with negative credit. We all have to start somewhere when it comes to restarting your credit. Andrea hopes to help others create a better and more thorough way of rising above the downfalls of having negative credit. Her main site: Rebuild Credit. Check back for great tidbits and to understand your credit better!
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