Identity protection, credit monitoring, and reports in one place.
Choose ongoing identity protection, review your credit activity, and pull a full 3-bureau report whenever you need the complete picture.
Identity monitoring + 1-bureau credit overview.
- Daily identity monitoring
- 1-bureau credit score + trend
- Identity Confidence Score
- Alerts for suspicious activity
- Full customer support
Sign in if prompted — then complete payment on our checkout page with Stripe Elements (you stay on choiceidentity.com).
On-demand 3-bureau credit report (Experian, Equifax, TransUnion).
- All three bureaus in one pull
- Full accounts and inquiries detail
- Public records section
- PDF download
- Weekly update alerts
Premium reports are available to active subscribers.
What you get at each step
Monthly covers ongoing monitoring; the premium report fills in the full picture when you need it.
7-day money-back
Full refund within 7 days of your first monthly charge. No questions, no forms.
Failed reports refunded
If a premium report fails to generate for any technical reason, the $99 charge is refunded automatically within 5–10 business days.
Cancel any time
Cancel from your account settings in one click. Access continues through the end of your billing period.
People switch for the clarity
“Finally a credit service that feels modern. I can read the dashboard without squinting, and the alerts are specific and useful instead of spam.”
“My old monitoring sent fraud alerts that were useless. ChoiceIdentity flagged a real issue in hours and told me exactly what to do next.”
“The 3-bureau report was clean, detailed, and actually readable. No 40-page PDF download — just one clear dashboard.”
Common services questions
Can I cancel the monthly subscription at any time?
Yes. Cancel from your account settings in one click — access continues until the end of the current billing period with no cancellation fee.
Is the $99 a recurring charge?
No. The premium 3-bureau report is a one-time charge. You only pay when you decide to pull a fresh report.
When am I charged for the premium report?
The $99 is charged upfront to your saved card the moment you click "Run Report" in your dashboard. If the report fails to generate, you are refunded automatically.
Do you offer refunds on the monthly plan?
Yes. Full refund within 7 days of your first charge. After that, you can cancel anytime and access continues through the end of the billing period.
Does running a report affect my credit score?
No. Our pulls are soft inquiries — they never affect your credit score, no matter how often you run them.
Why is premium not included in monthly?
The credit bureaus charge us every time we pull a 3-bureau report. Rather than bake that into a higher monthly price for members who might not use it, we keep the monthly plan affordable and charge only when you actually want a full report.
Can I buy a report without subscribing?
No. Premium reports are available to active monthly subscribers only — this keeps us compliant with FCRA permissible-purpose requirements.
Are there any hidden fees?
None. The only two charges you will ever see from us are the $24 monthly and the $99 one-time premium report when you choose to run one.