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LAST UPDATED: January 26th, 2023

According to's website, the company "provides you with the tools you need to access and monitor your financial and credit information through the program's credit reporting and monitoring benefits."

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Top Ranked Companies


The Good

  • Interface
  • Customer service
  • Trial
  • Triple-bureau reports and scores


Getting access to one's credit scores and reports is simple with an easy-to-use interface.

Customer Service

Customer service agents are available 7 days a week during normal business hours.


FreeScore offers a full featured free trial period during which customers can see their credit reports and scores.

Triple-Bureau Reports and Scores

FreeScore offers their customers access to view and see their TransUnion, Equifax and Experian credit reports and scores.

The Bad

  • Complaints
  • Restructuring
  • Limitations
  • Transparency
  • Cancellations
  • Billing


There are numerous complaints against both FreeScore and it parent company for billing customers for services which were previously cancelled.


Vertrue (FreeScore's parent company) has been restructured in a different state after multiple reports of billing practice abuse.


FreeScore is not free at all and the scores which are given are "for educational purposes only" and not the same scores which lenders use in making credit decisions.


Website and customer service representatives for FreeScore are not transparent when interacting with prospective and current customers.


Canceling membership is difficult and not always effective.


Vertrue has a history of abusing customer's credit card information and repeatedly billing after customers cancel their subscriptions.

The Bottom Line

It is better for customers to avoid doing business with FreeScore and Vertrue since they have multiple complaints against them and have issues with limitations and transparency.

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TomOuel Goodlettsville, TN

This site is a complete scam. I signed up for a 7 day free trial and attempted to cancel after 3 days. I just wanted to see if what they reported was the same as other sites, a couple of my credit cards provide FICO scores every month, so I was just curious. I should have read the reviews first but I didn't, my fault. First you cannot cancel online via “chat” , email or an online cancel link. The only contact method they provide is a phone number. I called the number 3 times and the call kept getting dropped after I told them what I wanted. They acted nice and helpful but obviously kept hanging up on me. After the 3rd time I called my credit card company and locked my account. Funny how that call went through perfectly.

10 months ago

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Sandra Keefe Russellville, AR

I love this company and how easy the website is to navigate. I can check my credit report or score whenever I want and have a new one generated once a month. The only problems we have with the company is that you can not get ahold of them on the weekend and I have had problems with the sign in page. Other than that. Great service!

10 years ago

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Mary Conner Stockbridge, GA

CreditScore.come is a fraudulent company that lies about providing you with your credit scores. You are charged for "credit monitoring" and you only get 1 score. One dollar is charged to your credit card and the seven days later, you are charged 29.99. The problem is you only got one report when you were told you would get all three reports. Who would pay 29.99 per month to monitor a credit report when you only got one report. Beware of Asian companies frauding you with a promise of three credit reports and only delivering one report.

8 years ago