About Instant Checkmate

Billing themselves as “the most popular background check website on the internet,” Instant Checkmate is a popular online data broker that claims to provide useful and detailed information on “just about anyone,” including personal information such as addresses and phone numbers, as well as professional licenses, arrest records, and more.

In order to accomplish this, Instant Checkmate claims to aggregate public records from multiple local, state, and federal databases, and to compile this information into a simple, easy-to-read report that contains more than 30 different data points. As such, Instant Checkmate claims to help you find what you’re looking for and to “help users learn the truth about the people in their lives.”

A screenshot of Instant Checkmate's Facebook AdA screenshot of Instant Checkmate's Facebook Ad

But is this really what you can expect from Instant Checkmate, and is the information contained in their reports worth your hard-earned money? We’ll answer all of your pressing questions in a moment in our review, but let’s first take a look at what you’ll pay to use Instant Checkmate.

Instant Checkmate Pricing & Refund Policy

For their services, Instant Checkmate charges the following:

  • 5-Day Trial Offer: $1
  • 1-Month Membership: $22.86 per month
  • 3-Month Membership: $14.86 per month ($44.58 total)
  • 6-Month Membership: $9.86 per month ($59.16 total)
  • Premium Reports: $19.99 each
  • PDF Fee: $1.99 (one-time fee only)

For each monthly membership plan, Instant Checkmate claims that you’ll be able to order an unlimited number of Standard reports, and will only need to pay for a Premium report (per individual) if you’re looking for additional information. We’ll come back around to this in a moment.

Important note: Other popular people search websites, such as SpyFly, BeenVerified, and Persopo offer prices that are equivalent to (or in some instances, lower than) Instant Checkmate. Because of this, be sure to check all your people search options before making a decision (HighYa is a great place to start!).

According to Instant Checkmate’s Terms, “Refunds are handled on a case-by-case basis with the ultimate goal of complete customer satisfaction.”

Instant Checkmate Phone Number, Contact Information & How to Cancel

With this said, in order to cancel your Instant Checkmate membership or to request a refund, you’ll need to contact customer service at 866-490-5980, email them at webcancellations@instantcheckmate.com, or submit an online form request.

Our Updated Instant Checkmate Review

Since writing our original Instant Checkmate review, around 200 HighYa readers have provided feedback about their experience with the company, with common consumer complaints that revolved primarily around the amount and accuracy of information contained in reports, in addition to the cost-to-value ratio of Instant Checkmate reports. In fact, these complaints are so prevalent that they’re precisely what we’ll focus on here.

In order to ensure the accuracy of our Instant Checkmate review, we recently spoke with a representative from the company, who gave us greater insight into their pricing model and what’s contained in their reports, which might help address some of your most common concerns.

Speaking of which, based on our research, here are the top online 2 customer complaints related to Instant Checkmate:

What Customers are saying about Instant Checkmate's Information

By far the most common complaint (here on HighYa as well as elsewhere online) related to information found in Instant Checkmate’s reports. And from this, there were two different parts: 1) the amount and 2) the accuracy.

The Amount of Information Contained in Instant Checkmate’s Reports

First, most Instant Checkmate customer complaints claimed that much of the information contained in their reports can often be found on Whitepages.com for free, or through a quick online search. However, keep in mind that not everything contained in an Instant Checkmate report can be found online (criminal records, as one example), for free or otherwise.

In other words, the company clearly states that they pull information from public records databases, meaning that much of this information is freely available to anyone with the time and motivation to gather it themselves. Instead, Instant Checkmate claims that the value they provide is quickly gathering this information and putting it into an easy-to-read report.

The Accuracy of Instant Checkmate’s Information

According to online customer reviews, the second part of this equation relates to the accuracy of the information contained in Instant Checkmate’s reports.

Taking a look at the company’s website, they state:

“We spend hundreds of thousands of dollars to keep the information we provide as accurate and up-to-date as possible, so you know you can trust our data.”

“Our Standard Reports use two separate data sources that we cross reference to ensure accuracy.”

Note: The Instant Checkmate representative we spoke with also confirmed that they crosscheck their information with other databases.

With this said, it’s important to note that there’s a fine line between crosschecking information with a second database, and verifying the accuracy of said information. Why? Because if both databases have incorrect information (an address, for example), this “crosscheck” is simply verifying that one database matches another—not that the information is necessarily accurate.

With this said, crosschecking databases is an industry-wide best practice, and Instant Checkmate appears to be following the standard. So if the information Instant Checkmate pulls from these databases isn’t correct, it would also be incorrect for any other people search companies who accessed the same databases.

What Customers are Saying About The Cost & Content

Next, there are numerous online consumer reviews that reference confusion about:

How Much You’ll Need to Pay

If you browse through the primary sections of the Instant Checkmate website, you’ll notice that you won’t be readily presented with any pricing information—other than learning that a Premium report costs $19.99—until you actually run a person’s name through the system. And considering that the Instant Checkmate website takes approximately 5 minutes to “load” (based on several test runs we completed) all the information about an individual (some online reviewers have claimed that this information should realistically be available in seconds), some might consider this a pretty big hassle.

Instant Checkmate also includes pricing information in their Terms of Use, which can be accessed from their website’s footer. Outside of sitting through the lengthy report ordering process, this means each visitor to the Instant Checkmate website will be required to expend a lot of extra effort looking for basic pricing information. And in our opinion, this may not provide the best user experience—but the information is technically there.

Even then, several customers have complained that it’s not made clear you’ll be up-charged (above and beyond the $20 monthly membership) for Premium reports, or that $1 trials automatically roll over to a monthly subscription, although we found this information to be fairly straightforward.

Important note: Keep in mind that although the verbiage on the Instant Checkmate website might lead you to believe otherwise, there is no guarantee that if you order a Premium report you’ll receive much more information, beyond what’s in the Standard report. However, regardless of what you do (or don’t) find, you’ll still be charged $20 (see next section for additional details). With this said, if the Premium report doesn’t end up containing much more information than a Standard report, it’s probably going to be very subjective as to whether or not you’ll find the additional $20 worthwhile.

When customers upgraded to a Premium report and felt they didn’t get their money’s worth, some claimed to have received a partial refund, while others claimed they weren’t successful at all, so it appears that Instant Checkmate’s customer service really does adhere to their “case-by-base” policy.

The Tangible Difference between Standard & Premium Reports

In other words, despite reading through the entire Instant Checkmate website, you might still be fuzzy about exactly what you’ll get for your money, as well when you’ll need to order a Premium report. And from our perspective, we can see where customers are coming from.

To provide additional insight, here is some information taken directly from Instant Checkmate’s registration page:

Instant Checkmate’s registration pageMany online consumers have stated that Instant Checkmate doesn’t clearly differentiate between what’s contained in the Standard (or “full”) and Premium reports. However, the above 2 examples taken from the company’s Registration page should help clear things up.

So here’s the skinny: Based on our conversation with the company, Instant Checkmate reports contain the following:

  • Standard Reports (also referenced as “full” in some areas of the website) – First and last name, date of birth, phone numbers, current and last known addresses, persons living at the same address, census data, satellite imagery of properties, possible relatives, spouses, and marriage/divorce records, arrest and conviction records, traffic records, DUI arrests, FAA licenses, DEA licenses, and/or nearby sex offenders. You can click here for a sample report.
  • Premium Reports – All of the above, in addition to civil judgments, corporate affiliations, watercraft owned, UCC filings, properties owned, voter registration, old phone numbers and/or email addresses, tax liens, Florida accidents, professional licenses, hunting/fishing/weapons permits, foreclosures, date a SSN was issued, aircraft owned, neighbors, and/or business associates.

Important note: As we mentioned above, keep in mind that just because you have the ability to order a Premium report for an individual (and pay the associated $19.99), this doesn’t mean that Instant Checkmate will turn up much more information than what’s contained in the Standard report.

During our call with an Instant Checkmate representative, we ran several different Standard and Premium reports on different individuals, and found that the information they contained was relatively similar. In addition, some of this information wasn’t completely correct, while other (presumably important) information, such as marriages certificates, was missing altogether.

Here are some of the details:

  • The Standard report showed property address and the title “homeowner” only, while the Premium added the loan amount and title company name.
  • The Premium report contained a list of people the individual lived with over the years, but did not contain a list of previous addresses.
  • The Premium report contained information about hunting and fishing licenses.
  • At the bottom of both the Standard and Premium reports Instant Checkmate listed social media information, but this was actually for someone else with the same name.

Based on the walk-through from the Instant Checkmate rep, as well as viewing the information each report contained firsthand, we can definitely draw our own conclusion (and opinion) about the value of Premium reports, and it’s this: From a consumer standpoint, we feel it’s a gamble as to whether or not you’re going to get you money’s worth when ordering a Premium Instant Checkmate report.

As we outlined above though, Instant Checkmate takes each refund request on a case-by-case basis, so if you decide to roll the dice and are dissatisfied, you can always call customer service and roll the dice again by asking for your money back.

Bottom Line: Is Instant Checkmate the Right People Search for You?

Based on the volume of traffic they receive, there’s no doubt that Instant Checkmate is a well-known name within the online background check and people search industries. As such, it stands to reason that their complaint volume might be higher than the competition. After all, the bigger the target, the more “hits” you’ll receive.

However, whether you’re reading them here on HighYa or elsewhere online, it seems that the vast majority of Instant Checkmate’s customer complaints repeatedly tell the same story, which we covered in this review.

And while we’re appreciative that the company took the time to walk us through their Standard and Premium reports—as well as to clarify what each includes—in addition to their easy-to-use interface, we can’t help but wonder why Instant Checkmate doesn’t display this much-needed information in easily accessible areas on their website, without requiring you to dig around or almost complete the ordering process beforehand.

Sure, the information is technically there and everything is disclosed, but based on our experience in using the Instant Checkmate site, you have to browse through the disclosures and disclaimers through the links located at the footer.

In our opinion, this might go a very long way toward further boosting their online customer reputation and entrenching their top ranking in the industry. Otherwise, it’s reasonable to believe that these misconceptions, which seem easy to clear up, could cause these same complaints to occur again and again.

So, where does this leave us? Ultimately, it comes down to your expectations. If you understand that a good chunk of the information found in Instant Checkmate’s reports can be found elsewhere for free with just a bit of time and effort, you might choose to perform the research on your own.

The good thing in our experience testing Instant Checkmate is that it really does do a good job compiling everything. If Instant Checkmate does not provide everything that you would expect in a report, it's ultimately due to the fact that certain information is simply not available in particular county offices associated with particular incidents of the individual. So whether it's Instant Checkmate or other similar services, some things are out of their reach.

It just so happens that certain information is sealed and not available for public display. In instances like this, services such as Instant Checkmate or other similar sites cannot retrieve it. Most likely, to our understanding, a court order/subpoena would be required to obtain such classified information. We can't blame Instant Checkmate for that. We certainly wouldn't want to say that the company intentionally and deceitfully did that. Although, each customer is entitled to their own opinion.

In addition, you save a substantial amount of time using Instant Checkmate to compile reports should there be a lot of information available versus having to perform a manual via Search Engine searches, contacting different services and courts, obtaining information from other third parties, etc.

Think of it this way: you have a grocery shopping list that contains chicken, milk, vegetables and some fruit. Imagine you having to go to four different markets all 5 miles apart from each other for each of the food groups. Pretty time consuming, right? Now, for an additional convenience fee, wouldn't it be easier to just go to one nice big supermarket that contains everything you need? Get the picture? That's how we perceive Instant Checkmate.

In conclusion, if you understand that 1) the information you uncover through Instant Checkmate might be limited and/or incorrect, and as a result, 2) you may end up feeling that you didn’t get your money’s worth (especially if you’re looking for more information than was provided in the Standard report), then the time and effort they can potentially save you might be worthwhile.

Ultimately we think Instant Checkmate is a decent tool for the money, just as long as the consumer is educated in how these people searches work in general based on public information availability as that would create realistic expectations. Due to the brilliant design and marketing of Instant Checkmate however, we can certainly understand why certain consumers get a bit frustrated.

Now Read: A Guide to Finding the Online Public Records You Need Without Paying a Dime

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485 Consumer Reviews for Instant Checkmate

Average Consumer Rating: 3.4
Rating Snapshot:
5 star: 243 4 star: 49 3 star: 21 2 star: 16 1 star:  156
Bottom Line: 62% would recommend it to a friend
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  • Editor’s Note: It is our understanding that this company has been asking its customers to leave feedback on HighYa. We assure you that each of these reviews has still been subjected to the same verification & vetting process that all submitted reviews go through. Learn More Here
  • Excellent customer service skills demonstrated by William in their Customer Service Center today!

    • Alabama,
    • Jul 22, 2018
    • Verified Reviewer

    I have enjoyed using this service when I was active. Most of this year I have been inactive but still paying the $22.86 monthly. I explained this to William today when I called to cancel. He did a great job trying to save me; however, I explained I called to cancel some months back and allowed customer service to talk me into keeping service. I need to cancel this time because I have not used this service and have to cut expenses since I am not employed and recovering cancer. He understood and even offered to credit me this month service of $22.86. That meant so much to me since I have not worked in over a year due to my illness. I am thankful for people like William who listen to your customers. I will activate my service again once I am employed and fully recovered. Give William a BIG Thanks for a kind ear and open hear today!

    Bottom Line: Yes, I would recommend this to a friend

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  • I would recommend this service

    • Miami, FL,
    • Jul 21, 2018
    • Verified Reviewer

    Instant Checkmate served me well. I was able to both find individuals and retrieve detailed reports with ease. Not much else to say, I would recommend this company to anyone needing to find background reports.

    Bottom Line: Yes, I would recommend this to a friend

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  • Over the top customer service

    • Pennsylvania,
    • Jul 18, 2018
    • Verified Reviewer

    I would have written this sooner, much sooner, but my Gmail is my personal email where pretty much the stuff goes that I don't care that much about and I don't check it that often. Sadly, to compound matters, this particular email with the link to a review was dumped, twice, in my junk, and that I almost never check. But I just found it today among a few thousand other emails. Normally I routinely hit 'all' and then delete. Fortunately, before doing that, I saw this from Instant Checkmate and wondered if it was the one to write a review. Sure enough. So here it is:

    Back in early May I noticed on my credit card a $30+ charge - turns out I somehow had missed those for months. It's been a crazy time in my life and although I thought I was on top of things, I was not. The woman who I spoke with, a Carolyn I believe, was wonderful. She willingly backed off four months of charges. She was pleasant on the phone and never made me feel as though I was the stupid party, which is something customer service at many places has down to a science.

    I do not need this service - it was a once and done, and I found out what I needed. But I am very glad to pass along that if anyone does need this service, their customer service is well trained and accommodating and the information, although not as in depth as I was hoping for, was helpful. Thank you.

    Bottom Line: Yes, I would recommend this to a friend

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  • Classmates found!

    • California,
    • Jul 18, 2018
    • Verified Reviewer

    I used the service to find high school classmates (from 50 years ago) that seemed to drop off the face of the earth. Very effective, although I did need to sift through a lot of information.

    I made contact with two classmates, others I need to follow up with before we can connect.

    The criminal search/report was a bit jarring, but realized most of the listings belonged to different people than my classmates! Don't know how they do it (and really don't want to know) but now that I know how simple it is, I will use Instant Checkmate again as needed.

    In a perfect world, I wish there was an easy way to sort through some of the information, such as the long listings of criminal items and the "last seen" information. Maybe there was, but it wasn't easy enough for me to see and use.

    Bottom Line: Yes, I would recommend this to a friend

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  • Great Service

    • Hobe Sound, FL,
    • Jul 16, 2018
    • Verified Reviewer

    Details are seemingly very spot on and inclusive third time using service and easy to cancel the service incredible how much information is available. Yes, I would recommend the service to other people and will come back again.

    Bottom Line: Yes, I would recommend this to a friend

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  • Excellent site for infor

    • California,
    • Jul 16, 2018
    • Verified Reviewer

    My experience with Instant Checkmate has been excellent. I have found it easy to use and with comprehensive information. When dealing with a representative by telephone my experience has been very positive. I spoke with Instant Checkmate's representative Kim today. She was pleasant, professional and very helpful. Instant Checkmate is fortunate to have her as an employee.

    Bottom Line: Yes, I would recommend this to a friend

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  • Upgrade

    • Dickinson, ND,
    • Jul 16, 2018
    • Verified Reviewer

    The gentleman I talked to was great! He was very helpful and courteous. I am satisfied with the results. I have nothing else to say.

    Bottom Line: Yes, I would recommend this to a friend

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  • Clear record

    • Union City, GA,
    • Jul 14, 2018
    • Verified Reviewer

    I found it easy to utilize service for the time allotted. It was easy to cancel, and my service rep was very respectful and the extra mile to assure I was thoroughly in the know of all my benefits of the time I allotted. Thank you.

    Bottom Line: Yes, I would recommend this to a friend

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  • Review was successful

    • Orange, NJ,
    • Jul 14, 2018
    • Verified Reviewer

    I was very pleased with my experience. The woman, Dejah, was particularly patient and helpful, with a lovely personality. She walked me through the information on their website, and even giggled with me along the way. Their site didn’t show any red lights or danger signs. This means I’m able to proceed.

    Bottom Line: Yes, I would recommend this to a friend

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  • 50-minute conversation

    • Georgia,
    • Jul 13, 2018
    • Verified Reviewer

    Thinking I had my account straight since February and April, I logged on today and discovered I was apparently no longer a member, that was frustrating! Several times in the past there have been either discrepancies or misunderstandings with representatives concerning my account as it relates to the length of time I have the specials. However, in the end, the issues become resolved as in the case again today.

    Mary Ann was very patient with my annoyance in not understanding why billing stopped as of May 2018! She said I canceled but I can honestly say I do not recall doing such a thing because this website is invaluable in helping me locate high school classmates since 2017 for what has become annual reunions. Obviously, there was some misunderstanding along the way this year.

    Not only did Mary Ann explain in detail the difference in "information" and "services," she also helped me learn how to navigate the website much more efficiently plus gave me a reasonable monthly discount.

    Thank you, Mary Ann, and I hope if I call again I will get you for help. I apologize if I was snappy as I think anyone would have been discovering they were no longer members.

    Bottom Line: Yes, I would recommend this to a friend

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  • Awesome

    • Norman, OK,
    • Jul 11, 2018
    • Verified Reviewer

    A great piece of equipment whether you have the app or go on the website. Everything that you need to know about whatever it is you’re looking for; a phone number, a person, email address, or whatever it might be is great. Works like a champ and all the information that you need will come up and some that you really don’t want to know. Awesome to have, works better than I thought it would. I recommend this to everyone.

    Bottom Line: Yes, I would recommend this to a friend

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