CreditScore.com is an Experian-owned company that offers a free credit monitoring service which includes a free Experian credit report and FICO score, access to a mobile app, an Experian boost tool, and more.
In addition to CreditScore.com's user interface, customers can also access their accounts through the Experian website.
Although CreditScore.com is free, it's important to note that the company does not offer triple-bureau monitoring or scores, and only refreshes credit reports once per month. We advise customers to make sure they know what they're signing up for before enrolling at CreditScore.com.
Keep reading to learn more about CreditScore.com's credit monitoring services.
CreditScore.com is owned and operated by Experian, the largest of the three major credit bureaus. As such, the company has tremendous financial resources, manpower, and expertise when it comes to credit information.
When a user signs up with CreditScore.com, they might rest a little easier knowing that the entire service is owned and operated by a legitimate publicly-traded company, rather than a shady fly-by-night operation.
There is no cost to sign up with CreditScore.com, making it a good option for consumers who would like to access basic credit monitoring and reporting services without breaking the bank. Meanwhile, many other companies in the credit monitoring industry charge users a monthly payment for similar services.
CreditScore.com's credit report and monitoring uses the FICO 8 credit scoring model. This is worth noting since it's the same brand of credit score used by the vast majority of lenders and gives customers a much more accurate idea of their real-world creditworthiness.
Keep in mind that while some lenders may use a different variation of the FICO model, such as FICO Mortgage or FICO Auto, the FICO 8 score provided by Experian is still likely to be much closer to the score your lender pulls than any other type of score.
Another feature we look for and applaud CreditScore.com for including is a true FICO credit score simulator.
For those who are unfamiliar with credit score simulators, they basically allow a user to see how different financial decisions, such as paying off a credit card or taking out a mortgage, might affect their credit score.
We appreciate these kinds of tools because, in our opinion, they provide users with the most useful insights and opportunities to learn hands-on how to build their credit over time.
Because CreditScore.com is powered by Experian, it allows users to take advantage of one of the best-designed mobile credit monitoring apps we've seen. The interface is attractively designed, easy to use, and provides full access to the same features as the website.
One feature that stood out was the integrated video section, which does a great job showing how to do everything from disputing a late payment to placing a security freeze on your account, as well as educating users on topics such as hard inquiries, revolving accounts, and the like.
Unfortunately, CreditScore.com only provides credit reports, credit scores, and credit monitoring from one of the three major credit bureaus (Experian). This means that customers will not have access to information from Equifax or TransUnion, leaving a large gap in their ability to accurately monitor their credit.
CreditScore.com only refreshes credit reports and credit scores once per month. This is not up to par, since many other companies in the industry offer weekly or even daily report refresh rates.
M Fischer Jacksonville, FL
7 years ago
William Alexander Purcell, OK
3 years ago