National Credit Report Reviews

National Credit Report, found online at, is a website that offers their members three free credit scores on a trial basis, as well as access to their Identity Theft and Credit Monitoring services.

How Does It Work?

When you sign up you will receive your three credit report and scores from TransUnion, Equifax, and Experian, as well as a trial run of their full Identity Theft and Credit Monitoring services for 7 days.

These services include alerting you to any changes in your credit profile, their ScoreTracker and ScoreCast tools which will show you how your scores have changed over time and how decisions you make about your finances can change your scores, and a Dispute Center which will help you fix things on your reports that are incorrect.

Finally their service also includes Identity Theft Reimbursement which will protect their members with up to $1,000,000 if their identity is stolen while under their protection. 

Cost & Price Plans

Customers who wish to maintain their services don't need to do anything, and at the end of their 7 day trial period, they will begin being charged $29.95 per month until they choose to cancel their services.

Customers who do not wish to maintain their services should make sure to cancel within the 7 day trial period if they do not wish to incur any more charges. 

Refund Policy

Because National Credit Report offers their members a trial period of their services, there is no available Refund Policy.

Members are charged on a monthly basis so you can cancel whenever you choose without penalty. 

Customer Service Contact Info

Customers who are interested in contacting Customer Service with their questions, concerns, or complaints can do so by phone at 888-550-1945 or by traditional mail at 4447 North Central Expressway, Suite 110 PMB 406, Dallas, Texas 75205.


There have been some complaints linked to National Credit Report because customers have issues with some of their advertising policies, including that they have been linked to "bait and switch scams" where affiliates have posted apartment or job ads and then telling applicants they must apply for a credit report through this institution.  

Competitors and Alternatives?

There are many different types of websites that offer credit monitoring and identity theft services, including and many others. 
If you have any experience with National Credit Report or their services, please leave your reviews below.

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National Credit Report Customer Reviews

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Rip off company!
October 6, 2017
Web site asked for credit card to charge $1 that would be refunded. Charged $39 and no refund. Stay away from them!

donnita Hickox December 07, 2020

Same here! except I got charged $1 four times and $39.99 twice. And I have never even talked to anyone about my credit, not once. This company is a scam.

KimberleeGuillory November 11, 2022

Same here, they charged me $3.00 and when I tried to call them on the number that was on my account it wouldn't even ring it immediately hangs up. So I couldn't cancel it and then they charged my account $39.99. I am going to file a complaint with the federal trade commissioner. They will take care of it. I'm not playing with these people and their scams.