FreeScore360 Review: Credit Report Services Review

Company Overview

Using the FreeScore360 website and their introductory offer is a great way to gain some valuable insights into your credit history and current situation. The site and is powered by ScoreSense, which is one of the most well-respected provider in this industry and they also have excellent security and customer data protection measures. New customers will receive a free 3-in-1 score report that is very easy to read. Additionally, the company has been around for quite some time and is generally regarded as one of the top businesses in this industry.

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Credit Monitoring Reports and Scores

  Equifax Experian TransUnion
Scores Provided X X X
Reports Provided X X X

 

Once you enter in some basic information about yourself, and complete the confirmation process, you will receive access to your 3-in-1 credit score report. This is not quite the same as actually receiving three different reports from each of the major bureaus (as listed in the chart above). Instead, it is one single report that combines the information. You will see your three different scores from each company, however.

You will find the report to be fairly comprehensive. It includes explanations of factors affecting your scores. There are even suggestions for improvement.

Credit monitoring is also available as an ongoing service. This includes the ability to receive alerts via email and possibly text message as any changes are made to your credit reports/scores. There are a few additional special services (with upgraded memberships) that include options such as an identity report, criminal alerts, neighborhood reports, and even sex offender alerts.

Identity Theft Protection

Users of the FreeScore360 site do have access to some very good identity theft protection services. You will find a number of tips given to help you know if there are extra steps needed to protect your identity. Plus, the Identity Theft Recovery Guide gives detailed information on what to do in different identity theft situations. There is also a $1 million Personal Identity Coverage plan, check the site for details.

The site and services are easy to use. Your information is updated in real time and it is easy to set up alerts. The monitoring center helps to catch any instances of fraud quickly and the Dispute Center is another great resource, providing information on how to dispute incorrect information on your credit report.

Sign Up Process

Signing up for the trial offer available at FreeScore360 is easy, but it is a process. First, you will be asked to enter some basic information about yourself and then a little more (including a social security number). You provide email confirmation as an extra hedge of protection and verification.

Next, the site will actually go ahead and 'pull' your credit reports from the three bureaus. You will then be walked through a more detailed identity verification process, confirming and choosing information that is contained on your reports (multiple choice questions). Then, you will need to provide a standard credit or debit card to pay for the $1, 7-day trial offer and be taken to your 3-in-1 report.

Pricing Concerns

The free trial is really a $1 offer for seven days of access to your 3-in-1 credit report. It is a good introduction to the site, since you will be able to see how easy it is to access and read this report. As a regular member you also have access to the Identity Theft Recovery Guide and the dispute information. Several services are available as upgrades, like identity theft insurance, sex offender report, and neighbor report.

Trial Offer $1 for 7-Day Trial
Monthly Price $29.95

Customer Support

There is a strong level of support provided by FreeScore360. This includes FAQ's on the site along with helpful articles and other information. The site contains several guides to help users through the process of identity theft and dispute resolution with a credit bureau. You may send emails through the contact form on the site. The company also provides a toll-free line, although the support the can offer here is a bit limited.

Bottom Line

FreeScore360 is a solid and reputable online credit information and monitoring site. The ability to view your 3-in-1 score report along with your three agency scores is a nice feature. Best of all, it only costs a single dollar for 7 full days of access. The information offered in the form of guides, articles, and other tips is very helpful, especially for someone who might be going through one of those situations.

Contact Information:

4447 North Central Expressway

Suite 110 PMB 406

Dallas, Texas 75205

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