Instant Checkmate Review: Is It Legit or Just Hype?

By Lydia Noyes
HighYa Staff
Updated on: Dec 4, 2019

Knowing who you can trust is hard without the facts in front of you.

Online companies like Instant Checkmate promise to make it possible to perform quick, discrete online background checks to help you reconnect with lost contacts or identify any red flags in those around you.

For a monthly subscription fee, Instant Checkmate lets you perform an unlimited number of people searches.

Should you consider an Instant Checkmate subscription? In our review, we’ll go through the site’s advantages and limitations so that you can determine whether it makes sense for you.

What Is Instant Checkmate?

Instant Checkmate is an online public records search service that promises to let you search anyone in the United States and pull up detailed information on them.

The site claims to operate by aggregating public records such as arrest records, addresses, census data, and social media accounts. It then presents this information in comprehensive reports.

Note that Instant Checkmate doesn’t offer true background reports. Rather, this site and all similar ones pull information from the public domain. What you’re paying for is the convenience of getting all this information in one place.

Pros: Cons:
  • Easy to browse and navigate the site.
  • Information is considered by many to be more accurate than similar sites.
  • Detailed sexual offender reports.
  • Report information sorted in clear categories for easy searching.
  • All information is publicly available for free elsewhere.
  • Reports may be inaccurate.
  • Some customers struggled to cancel their account.
  • You can’t legally act on the information you learn.

Instant Checkmate Features

Instant Checkmate makes it simple to search anyone in the United States by name, location, phone number, or email address.

You’ll be shown a list of locations and possible relatives for each search result to help you find the right person, but you’ll need to pay for a subscription before you can see the full report.

Here’s a summary of the information you’ll get in a background report, a reverse phone lookup, and an email search.

  • Background Report: Search based on the person’s name, gender, and location to learn their date of birth, current contact information, location history, potential relatives, criminal record, DEA licenses and more.

  • Reverse Phone Lookup: Seach any 10 digit phone number to learn information such as the owner’s full name, phone information, age, gender, job history, location history, and social media profiles.

  • Email Report: Search any email to learn information such as the owner’s full name, online aliases, location history, employment history, social media profiles, possible connections and more.

As with all public records services, Instant Checkmate is meant to be used to look up publicly available information on people like your family members, new neighbors, friends you lost contact with, and more.

However, it’s strictly prohibited to use any of the information you find in the following ways:

  • Pre-employment background checks
  • Screen any household workers
  • Assign or terminate leases
  • Assess individuals for professional services
  • Determine qualifications for educational programs or grants
  • Make credit or insurance eligibility decisions

It’s also against the site’s terms of service to the information to stalk, blackmail, or otherwise harass the person in the report.

Instant Checkmate Pricing

Instant Checkmate’s pricing isn’t transparent when you first navigate through the website, but only displayed after a five minute plus wait period while you wait for your first search results to load.

5-Day Trial Monthly Membership Three-Month Membership Reverse Phone Search Membership Reverse Email Search Membership
Cost $1 $34.78 per month $27.82 per month ($83.47 total) $4.99 per month $7.99 per month
Basic Background Check Yes Yes Yes No No
Location Search Yes Yes Yes No No
Reverse Phone Lookup No No No Yes No
Email Search No No No No Yes

The $1 trial offer is only displayed after you spend several minutes on the purchase page. At the end of this trial, you will be automatically enrolled at the month-to-month subscription rate of $34.78 unless you cancel your membership beforehand.

All Instant Checkmate purchases enroll you in a membership (recurring subscription). You can cancel your membership at any time from your Membership Settings page or by contacting the company directly at (800) 222-8985.

It’s also possible to purchase a Premium Background Report for $19.99 per person. This gives you supplemental data beyond the standard report that may include information on the person’s civil judgments, corporate affiliations, voter registration, hunting/fishing permits, tax liens, foreclosures, and more.

Lastly, for a one-time fee of $2.99, you can download all standard reports as PDF files.

Analysis of Customer Reviews

More than 500 Instant Checkmate users have left reviews here on HighYa. Here are the main takeaways:

Inaccurate Information

Dozens of reviewers were left unsatisfied with the information Instant Checkmate shared with them. Some searched themselves and found major inaccuracies pertaining to their current address, real estate history, and occupation. A few also saw that false criminal charges were attributed to them.

Great Information Resource

Many reviewers found Instant Checkmate easy to use and relevant to what they wanted to know. Some reported that they used it to track down old friends and to perform simple background checks on potential tenants for rental properties.

These users reported that the service saved them both time and money compared to traditional background reports and accurately answered all the questions that they had.

Better Information Than Competitors

Some reviewers shared that they had used multiple online search sites and that they found the information on Instant Checkmate to be the best because it was the most accurate, relevant, and simple to search.

Charges After Canceling Subscriptions

Many reviewers reported that Instant Checkmate continued billing them after they thought they canceled their membership and wouldn’t reimburse them for the charges. Some people shared that they eventually canceled their credit cards to stop the fees.

Difficult to Pull Personal Information Off the Site

Many people made accounts with Instant Checkmate in order to pull their personal information off the site. Some of these users struggled with the process and reported that their information stayed online, even after multiple conversations with customer service.

Key Takeaways

Overall, these reviews seem to show that most people are relatively happy with the quality of information that they found on Instant Checkmate, especially those who had used similar services previously.

But as with most public information aggregate services, many reviewers found the site’s information to be either out of date or completely incorrect. The accuracy of the information you find on the site will largely depend on the availability of public information for that person.

Instant Checkmate vs Truthfinder, SpyFly, and BeenVerified

There are several other popular public information services available, including Truthfinder, SpyFly, and BeenVerified. We’ll compare the pertinent information between them below:

Instant Checkmate Truthfinder SpyFly BeenVerified
Monthly Subscription Cost $34.78 $27.78 $29.97 $26.89
Trial Cost $1 for five days $1 for five days $2 for seven days NA
HighYa Review Average 3.4-stars, 62% recommend 3.8-stars, 73% recommend 1.9-stars, 26% recommend 1.3-stars, 5% recommend
Sex Offender Information Detailed reports include photos and current location Tells you if offenders are nearby Possible to search for offenders by address or zip code Possible to search for offenders by address or zip code

Of these four sites, Truthfinder and Instant Checkmate have the best online reviews on HighYa. Many customers found both of these sites to be easy to navigate, though they often found the information to be incorrect.

When I did a personal search on Instant Checkmate and TruthFinder, I found Instant Checkmate shared more comprehensive information about my career and educational background, and that the site had the most up-to-date contact information for me. It also listed fewer incorrect addresses and social media profiles.

This was true for most of the friends and family I looked up as well.

Of these four sites, TruthFinder seems to use the most “scare tactics” to get people to sign up by promising that juicy details might be revealed in the reports. While the other three sites also lean into this marketing angle, TruthFinder is the most blatant about it.

SpyFly and BeenVerified earned a less positive response from HighYa reviews. Some common complaints included that the information within the reports was extremely inaccurate and outdated and that the monthly subscription costs were too expensive to be worthwhile.

Others wrote that they were continuously billed for these services even after they had canceled their subscription.

Key Takeaways

A public records search company can’t take the place of a traditional background check, and even the best services only earn mediocre reviews from users.

However, Instant Checkmate and Truthfinder both have higher reviews and share more detailed information in the reports.

Personal experience leads us to believe that Instant Checkmate has the edge when it comes to accuracy.

The Bottom Line

As far as public records search services go, Instant Checkmate seems to stand out from the competition. It’s easy to sign up for the service and navigate the site, and the $1 five-day free trial offer will likely give you enough time to learn what you need to know.

Our personal experience and analysis of HighYa customer reviews also show that this site seems to have a slight edge over the others regarding accuracy and relevancy.

However, Instant Checkmate (and all similar services) shouldn’t be confused for a traditional background check. The information this site provides is all publicly available, and there’s no guarantee that it is accurate. It’s also illegal to act on these results as if they were from a verified background check service.

Instant Checkmate makes sense for anyone who wants to reconnect with lost friends or family members, verify information about online dates, learn more about a neighborhood before moving in, or see whether there are sex offenders nearby.

The online phone and email lookup can also be used as a way to avoid online scams from dating websites and buying platforms.

The service isn’t suited for anyone who wants to perform employment or tenant screening or who wants to make other decisions about eligibility for scholarships, credit, or insurance policies.

Our advice? Start your background search process on Google. Searching someone’s full name, location, and emails or phone numbers can pull up a lot of public domain information similar to what you’d get in a standard Instant Checkmate report.

If you want to expand your search after that, then it’s time to consider signing up for a membership.

Instant Checkmate FAQ

Is Instant Checkmate Legit?

Public records search services only display information that is in the public domain. The site makes no guarantee about the accuracy of the information it displays.

Is Instant Checkmate free?

No. Monthly subscriptions start at $27.82, though a $1 five-day free trial is available.

Is Instant Checkmate a Recurring Subscription?

Yes. The subscription can be canceled at any time.

How Do You Cancel Your Subscription?

Cancel your membership online through the Membership Settings page or by calling the company at (800) 222-8985.

Can You Remove Your Personal Information from Instant Checkmate?

Yes. Instant Checkmate allows all subscribers to remove specific information or their full profile from the database.

You can start by searching for your name and finding your profile. Once you do, you can select the report you want to be removed. You will then receive an email asking you to confirm this decision. If you approve it, Instant Checkmate will delete your profile within 48 hours.

Note that this doesn’t remove your information from the databases that Instant Checkmate pulled it from. You also might need to make multiple requests to customer service before all your personal information is removed.

Does Instant Checkmate Notify the Person You Are Searching For?

No, all searches are anonymous and those being searched are not aware that the process is taking place.


Read 535 Instant Checkmate Customer Reviews and Complaints

Write a Review
Average Customer Rating: 3.4
Rating Snapshot:
5 star: 268 4 star: 55 3 star: 24 2 star: 19 1 star:  169
Bottom Line: 62% would recommend it to a friend
Showing 1-11 of 535
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  • This company is actively collecting reviews from its customers. All reviews submitted are subject to moderation and approval to ensure they meet our Review Guidelines.
  • 19 out 19 people found this review helpful

    Faulty, inaccurate details

    • By Justin Case,
    • Lincoln, Neb.,
    • Feb 26, 2015
    • Verified Reviewer

    Yet another email that floods spam folders, trying to scare you into a subscription. The name alone sounds generic and they nickel and dime you for EVERYTHING. Info is outdated, recycled, or faulty and Instant Checkmate does all it can to bill as much money off customers as possible with inferior services. If it pops up in the spam folder, it's a good bet it rhymes with spam. Don't be suckered into a subscription thinking you'll find up-to-date info, everything I ever found on there (if anything at all), was ancient history. Instant Checkmate is a shady, crooked business.

    Bottom Line: No, I would not recommend this to a friend

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  • 13 out 13 people found this review helpful

    This company is a rip-off and rude to boot.

    I would give a minus zero rating, if that existed. 

    First of all they had information for my mother as if she were still living. She died in 1991.

    Second, I got the $1.00 trial plus $1.99 for a .pdf, which is bunk. When I tried to use my trial, I didn't find further information, only pop-ups trying to force me to upgrade constantly.

    Third, I found a $29.63 charge on my credit card for a month membership.

    I explained to the human robot I got on the phone that I had a medical emergency and had been hospitalized during the five day period. He couldn't seem to grasp how this might keep me from calling to cancel and just keep repeating his speel like a recording.

    I asked to speak to a manager or supervisor and was told, after being put on hold, that none was available. I told him that was bunk.

    In addition, the company did not send me any sort of a receipt via email to indicate my purchases or charges to my credit card. That is a big red flag.

    After threatening the company with contacting Master charge and the VA Attorney General, he finally agreed to remove the charges except for the $1.00 trial fee.

    We shall see. If I don't get an email and have the charges removed by early next week, I will contact the above.

    Bottom Line: No, I would not recommend this to a friend

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  • 9 out 9 people found this review helpful

    Con people

    Do not use this site. To check if I'm going to have real information, I did research on a person I know. And got mix of real and fake information about this person. Never got my money back.

    Bottom Line: No, I would not recommend this to a friend

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  • 14 out 15 people found this review helpful

    Consumer

    • By Lisa,
    • California,
    • Feb 28, 2015
    • Verified Reviewer

    This is a total scam. They suck you in telling you they have juicy details about the person you're searching. Then they tell you it will be $22+ to access the juicy details. What they give you is absolutely nothing. Then they tell you they have the really juicy stuff (criminal records, etc.), but you have to upgrade to the premium service for an additional $20.

    I think it's a bait and switch. Do not fall for it. It's worthless. I wasn't willing to waste another $20 to find out if they really had any criminal records. They'd probably want another $20.

    Bottom Line: No, I would not recommend this to a friend

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  • 12 out 12 people found this review helpful

    Don't Waste Your Money

    • By Debbie,
    • Greensboro, NC,
    • Mar 15, 2015
    • Verified Reviewer

    The information provided for a basic one month membership of almost $23.00 was simple public record info such as a list of aliases and address histories. Anything more beyond that you had to upgrade and pay more money for. I was continuously lead through several pages that lead me to believe I would get criminal background info. In the end, I felt like I wish I had made a donation to a worthy cause and not to line the pockets of a company that is dishonest and misleading.

    Bottom Line: No, I would not recommend this to a friend

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  • 13 out 13 people found this review helpful

    Bait and Switch SCAM? Possibly

    I paid 22.86 plus 1.99 for PDF for 1 month of (BAIT) "UNLIMITED" Reports. To determine accuracy of site my first requested report was on myself. I received name, address and phone number, less than a Google search. More reports were offered (SWITCH), but each and every other report would require an additional 19.99 per Report. I was informed by PayPal that although I had signed up for one month, recurring charges had been setup. I never leave negative reviews unless to WARN others.

    Bottom Line: No, I would not recommend this to a friend

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  • 15 out 15 people found this review helpful

    Beware of any site offering you "unlimited" everything for a low fee

    Instant Checkmate is yet another of the many online companies who offer, for a fee, the ability to search databases for personal information.

    Some of the databases are free and could be found with a bit of searching. Many are not; they're professional databases that companies who routinely conduct background checks (i.e. banks) subscribe to and/or other companies and individuals (i.e. Human Resources at a company, the landlord) may either subscribe to or pay a per-use fee (which is why there's a background check fee some places when applying to rent an apartment).

    When a reputable site like Intelius charges you $40 for a complete background check, they do so because it's costing them money, too. Professional databases aren't cheap; they require a subscription and/or per-use fee. Intelius may be paying $20 or so (pro-rated) for that report.

    For that reason alone, any site that tells you that you can have unlimited data on anybody, "unlimited" meaning criminal, marriage/divorce, etc., for $20 per month is full of baloney. To get a comprehensive background report, you're going to have to pay additional money. Instant Checkmate is somewhat deceptive in what it offers for the monthly fee.

    Once you pay that money, you won't always get the correct information or complete information. Some sites cut corners by subscribing to somewhat-outdated databases. Instant Checkmate appears to be one of those sites.

    For these and other reasons, I don't recommend Instant Checkmate. If you must have a thorough background check and need to do so online, go with a reputable site such as Intelius, but expect to pay $40 or more for the information.

    Bottom Line: No, I would not recommend this to a friend

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  • 16 out 16 people found this review helpful

    Instant Checkmate is Garbage

    • By Leo Spitz,
    • Washington, D.C.,
    • Mar 17, 2015
    • Verified Reviewer

    The information contained in Instant Checkmate is minimal and often non-existent. What a waste of time.

    I signed up for a one month subscription, but they continued to charge my credit card after the month was over. The guy at customer service said that the Terms of Agreement explained everything. They immediately canceled my subscription at my request on the phone, no problem there, but this is whole deal is garbage. Don't spend your money on them.

    Bottom Line: No, I would not recommend this to a friend

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  • 17 out 17 people found this review helpful

    Instant Checkmate is a rip off.

    • By Matthew,
    • Sacramento, WA,
    • Jul 17, 2015
    • Verified Reviewer

    I ordered and reviewed information on an old friend of mine. Instant checkmate is a horrible service. Never use it. The information is inaccurate and contains no marriage or divorce certificates nor criminal records. The only accurate thing was a location from years ago. They have all kinds of hidden fees for basic PDFs and charge $20 for a premium report even after gouging you for the service and PDF download. They don't make it clear how to cancel the service after trial membership. They charge you for the month to month membership as soon as the trial is up and refuse to issue a full refund even just being four hours passed the trial expiration. They're a bunch of crooks in my opinion.

    Bottom Line: No, I would not recommend this to a friend

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  • 15 out 16 people found this review helpful

    Don't waste your money

    • By Chuck,
    • Chicago,
    • Mar 28, 2015
    • Verified Reviewer

    All the information provided is generic and at best a guess, but really nothing that is worth paying money for.

    Bottom Line: No, I would not recommend this to a friend

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  • 10 out 10 people found this review helpful

    Total scam.

    • By Peter Tierno,
    • New Jersey,
    • Jul 18, 2015
    • Verified Reviewer

    I chose this site because the hype on the website led me to believe this would provide criminal and arrest records of my father who passed some 14 years ago. I know he in fact was arrested several times in my childhood, but was never sure of any of the particulars.

    After recently reconnecting with a still surviving sibling (his sister), I was prompted to do some research on my own. After paying for a monthly subscription of 22 plus dollars, I was asked for an additional $19.95 for a premium upgrade and then another $1.95 for a PDF format. Well, here's what info was revealed: No arrests records of any kind were found, no marriage licenses were found (my parents were married in Brooklyn in a catholic church and were married quite legally for 55 years, and there is no relation to me (a son).

    I canceled my subscription immediately. I was informed by Julio that unfortunately I should have read the fine print telling me some information might not be available or even accurate. This was a complete waste of time and money and I will try to dispute all charges from this fly-by-night operation.

    Bottom Line: No, I would not recommend this to a friend

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