Owned by Experian, one of the three major credit bureaus, CreditScore.com brings a lot to the table, including FICO scores, a well-designed website and mobile app, and strong educational resources. However, the company does not offer triple-bureau monitoring or scores and only refreshes reports once a month. We advise customers to make sure they know what they’re signing up for before enrolling at CreditScore.com.
- Owned by Experian
- No cost
- FICO scores
- Credit score simulator
- Education center
- Mobile app
Owned by Experian
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. 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.
CreditScore.com’s credit report and monitoring uses the FICO 8 credit scoring model. which is the latest version. 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.
Credit Score Simulator
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.
CreditScore.com has an extremely comprehensive education center. It’s full of lengthy, accurate, and up-to-date information to help customers educate themselves on everything from identity theft to disputing inaccuracies on their report to improving their credit scores.
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.
- Single-bureau reports and monitoring
- Monthly refresh rate
Single-Bureau Reports and Monitoring
Unfortunately, CreditScore.com only provides credit reports, scores, and 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.
Monthly Refresh Rate
CreditScore.com only refreshes credit reports and scores once per month. This is not up to par, as many other companies in the industry offer weekly or even daily refresh rates.
CreditScore.com is free to sign up for.
CreditScore.com’s services are free, so there is no trial.
Scores and Reports Provided
The company only offers credit reports and monitoring from Experian.
CreditScore.com does not offer integrated error disputing services. Customers can report errors on their credit reports with the addresses and links provided by CreditScore.com.
CreditScore.com provides users with ongoing monitoring of their Experian credit report. Whenever a major change is detected, users can receive an alert by email, text message, or through the mobile app (if installed).
Credit Score and Report Refreshes
Reports are only refreshed once per month.
All customer data is electronically scrambled using SSL encryption certificates and is stored on dedicated secure server. CreditScore.com’s security claims are verified by McAfee and Entrust.
Identity Theft Protection
The company has not disclosed whether or not it offers identity theft protection.
Alerts are delivered to customers via email and text message. Customers can select their preferred method of alerts and can receive alerts via text, email, or both.
Time in Business
Experian has been in business since 1993.
Experian Consumer Services
Monday through Friday from 6 AM to 6 PM PST
Saturday through Sunday from 8 AM to 5 PM PST