Free Score Finder, which is a California-based credit monitoring company, has been in business since 2002.

Rank Chart
Price
Reports Available
Our Score
#1
$9.95 - 19.95
3/3
7.9
#2
$29.99 - 49.99
3/3
7.6
#3
$19.95
3/3
7.4
#18
free_score_finder-thumbnail
$24.95
3/3
5.4

The Good

  • Secure site
  • Triple-bureau reports and monitoring
  • Identity theft protection

Secure Site

Free Score Finder has a current Norton Secured seal on its website, meaning that the information provided to the company is encrypted and secure.

Triple-Bureau Reports and Monitoring

Free Score Finder offers credit reports, scores, and monitoring services from all three major credit bureaus—Experian, Equifax, and TransUnion. This gives customers a comprehensive look at their credit.

Identity Theft Protection

Free Score Finder offers identity theft protection services, which a nice benefit that not every company in the industry offers.

The Bad

  • Privacy issues
  • VantageScore model
  • Relatively high price
  • Undisclosed refresh rate

Privacy Issues

As a company that exists solely to direct its customers to other companies, Free Score Finder’s privacy policy (which users agree to when submitting their information) allows the company to sell, share, and trade your personal information to many different companies, many of whom you may not know beforehand.

VantageScore Model

Free Score Finder uses the VantageScore scoring model, which is not the same model used by the majority of lenders (most lenders use the FICO model). Because of this, customers may not have an accurate view of what their credit looks like to lenders.

Relatively High Price

Free Score Finder costs $24.95 per month, which is relatively expensive when compared to prices offered by other top credit monitoring companies.

Undisclosed Refresh Rate

It is unclear how often Free Score Finder refreshes credits scores and reports for its customers.

The Bottom Line

Free Score Finder offers triple-bureau reports and identity theft protection. However, the company has a fairly lenient privacy policy, uses the VantageScore model, charges a relatively high monthly price, and has not disclosed its refresh rate.

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  1. User Score

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    March 29th, 2014 League City, TX

    Phony like all other “free” credit check firms. In response to “creditkarma.com” TV add, I tried it and it was linked to Free Score Finder, which is like all other “free” sites. They gather identity information, creditor validation ( which does not verify identity, only gathers information for credit reporting agencies), and then behold, the eternal credit card to charge you a fee and if you don’t cancel within a few short days, you get whacked with a large monthly fee automatically from your credit card. Once again, “Free”, another word for “Fraud”. I’m sure that this review will never show up on the reviews.

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