Review | CreditShout Review

By Dawn Allcot / April 30, 2010


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Verdict: offers a variety of options to obtain your FICO credit score, credit reports from EquiFax or TransUnion, and credit monitoring. It is one of only a handful of services that provides your true FICO score — not a score issued by another agency — but it only uses information from EquiFax or TransUnion.

All four options from my represent a good value for credit score monitoring, as long as you keep in mind that you’ll still want to check your Experian report through another service.

Overview: has a number of features that set it apart from other credit monitoring services. As noted, it’s one of the few places you can get your FICO (Fair Isaacs Company) credit scores. is the only service to provide financial advice and information from personal finance expert and author Suze Orman, which sets this service apart from the competition.

You can pay a one-time fee of $15.95 to receive your choice of an EquiFax or TransUnion credit report and credit score. This is higher than the monthly charge for many other services, and there’s no option to obtain a free credit report. However, you don’t have to remember to cancel after the trial period.

You’ll find the best value if you order the website’s Score Watch package, which costs $9.95/mos. (minimum three months) or $99.95 for the year. You’ll save $20 by purchasing the yearly package and end up paying less than $8.95/mos. This package make one of the lowest priced credit monitoring services available that provides frequent updates, but it only monitors your EquiFax FICO score and credit report.

How This Service Works: Like most online credit monitoring services, you sign up for the service by providing a credit card number. You have a choice of four packages. Every package provides:

  • Explanation of your score
  • Credit score simulator
  • Customer support via email or phone
  • Help disputing errors on your credit report

Whichever package you select, you’ll have instant access to your FICO credit score(s) and credit report(s). Depending which package you purchase, you can also access other information. Your credit card will be billed automatically when your membership expires (for instance, at the end of three months or at the end of one year).

Let’s look at the four packages and what they provide:

Score Watch: The most popular of MyFICO’s packages, Score Watch gives you access to two FICO credit scores and your EquiFax credit report each year. This package also monitors your EquiFax credit report daily, and your FICO score weekly, alerting you to changes. The score monitoring lets you know when you may qualify for a better interest rate or when your scored has reached a goal you set.

FICO Standard: The simplest service, FICO Standard membership gives you access to one free credit report and one free FICO score (your choice of EquiFax or TransUnion) for a one-time fee of $15.95.

Suze Orman’s FICO Kit Platinum: Tailor-made for finance information junkies and those looking to get out of debt and stay out of debt, this service gives you access to three credit reports and FICO scores, plus personalized financial advice from Suze Orman. Keep in mind, you still cannot get a copy of your Experian report through Your three reports will include two reports from either EquiFax or TransUnion (your choice).

FICO Quarterly Monitoring:
FICO Quarterly Monitoring costs $4.95 per month or $49.95 per year. It is similar to the Score Watch package, except you’ll receive one TransUnion credit report and FICO credit score each quarter. You won’t get daily or weekly monitoring, either.

Consumers at Epinions gave only two stars, but consumer review site NextAdvisor gave it four stars, calling it the “best way to monitor your FICO score.” As long as you know what you’re getting, and recognize that you won’t get any Experian credit information through the website,’s features at a low cost make it well worth it.

The editorial content on this page is not provided by any of the companies mentioned and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author's alone. Additionally, the opinions of the commenters are not necessarily the opinions of this site


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