Check your credit

Our program is based primarily on the personal credit of the co-signor of the business. To be considered for the program, please visit www.creditchecktotal.com and create an account with them. This site is owned and operated by Experian and it provides an in depth review of all three credit bureaus without placing an inquiry onto the report which could lower the credit rating. Credit Check Total offers a 7 day trial period which allows you to access the report for only $1.00. After the 7 day trial period the service is extended at a monthly cost of $22.95. Therefore if we are unable to pre-qualify your business based on your credit profile, you simply cancel the account to avoid the monthly fee. We will have an answer for you within 24 hours of the day we receive the entire report(s). *Please note that we do require the Credit Check Total account to remain open for the first 45 days of our program which allows us to monitor your progress during the application phase of the program.*

Once you have a copy of the entire report, you can fax it to us at 866.741.7966 Attention: Pre-Approval, or save the report(s) as a PDF and email it to preapproval@premieraccessconsulting.com, or provide us with the login credentials so we can access the Credit Check Total account online.

Please contact us if you have any questions or comments regarding the information or you have difficulties opening the Credit Check Total Account.  We look forward to helping you ensure your business’s economic security. 

Thank you!

Premier Access Consulting

CCT FAQ's

Who is Credit Check Total?

CCT is owned and operated by Experian. It provides an in depth look into all 3 bureaus, Experian, Equifax, and Transunion. We use CCT because it allows us to pull a fresh report on a daily basis which helps us ensure your success in our program.  CCT is a soft inquiry and will not affect your credit scores.

How do I provide you with a copy of the report for review?

There are several ways that you can send us a copy of the report for review. You can print off the entire report and fax it back to us at 866-741-7966 Attn: Pre-Approval; you can save it as a PDF or scan it and email it. Or you can provide us with your username, password, and Social Security number and we can login to your account and download the report ourselves.

How do I save the report as a PDF?

It’s very simple…you can download a program that will convert the file into a PDF.  Simply go to www.cutepdf.com and download the CutePDF Writer (Freeware).  Once the program has been installed, you can then print your credit report(s) to a PDF file from the print dialog box and save it to your computer.

Will pulling my credit through CCT hurt my credit rating?

No. It is considered a soft inquiry because you are requesting a copy of your report yourself. It will not create an inquiry on your report and it will have absolutely no impact on your credit rating.

Why do I need to set up a CCT account? Can I submit to you a copy of the credit report I already have on hand?

All parties that would like to be considered for our program must provide a Credit Check Total report for review for various reasons. CCT provides certain features for us to review that other reports might not include. Also we review up to 50 credit reports a day, so it becomes a nightmare deciphering reports in different formats. We also require a CCT account to be active during the application process in order to protect your credit from excessive inquiries.

What is the cost to create a CCT account?

CCT offers a 7 day trial period at a cost of $1.00 total which is donated to charity. After the 7th day the service will cost $22.95 per month. If you are approved for our program, we require your account remain open for up to 45 days during the application phase in order for us to monitor your progress. If we are unable to qualify you for our program, you just simply cancel the service at no additional cost.  However, we highly recommend that everyone has a Credit Monitoring Service, as it is always a good idea to know exactly what is happening with your credit on a frequent basis.

How do I cancel the CCT account before I am charged $22.95?

It is very easy to cancel your CCT account. You simply contact their customer service department toll-free at 866.506.7894. The Call Center is open 6:00 a.m. to 6:00 p.m. Mon-Fri and 8:00am - 5:00pm Sat and Sun (Pacific Time). This information is also listed on their website.

How long do I need to keep the CCT account open for?

The account must remain open for up to 45 days during the application process. CCT allows us to pull a new report daily in order to monitor your progress.

How long does it take before I know whether or not I qualify for your program?

Once you provide us with a copy of your entire CCT report, we should have an answer for you the same day. If not, you will receive a reply within 24 hours once we’ve received your CCT report.