Company no longer taking new customersFound on the FreeScore.com website: "FreeScore provides you with the tools you need to access and monitor your financial/credit information through the program's credit reporting and monitoring benefits. FreeScore provides only limited credit monitoring services which are accessible to its members via the FreeScore.com website. FreeScore is not accepting new customers. Credit information provided by TransUnion Interactive, Inc. Copyright © 2014 FreeScore"
- Getting access to one’s credit scores and reports is simple with an easy-to-use interface.
- Customer service agents are available 7 days/week during normal business hours.
- FreeScore offers a full featured free trial period during which customers can see their credit reports and scores.
- FreeScore offers their customers access to view and see their TransUnion, Equifax and Experian credit reports and scores.
- 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.
- Cancelling 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.
FreeScore offers credit monitoring services for a monthly subscription price of $9.99.month.
In spite of offering a free 7-day trial, FreeScore charges customers $1 to retrieve their credit report and then adds fees up to $40 during the initial sign up. The information around the subscription for credit monitoring is buried and many customers complain of a bait-and-switch when signing up for services.
Scores & Reports Provided
FreeScore offers customers reports and scores from each of the three major credit bureaus – Equifax, Experian and TransUnion.
FreeScore does not offer error dispute services. They give their customers the “exclusive addresses” to contact the credit bureaus, which are easily found via a Google search.
FreeScore advertises 24/7 monitoring and instantaneous alerts, but customers report that neither is the case and that they did not receive alerts in spite of paying for credit monitoring services.
Credit Score and Report Refreshes
Finding out how often FreeScore refreshes their members’ credit reports and scores proved to be quite difficult for our review team. Nowhere on the company’s website is published this information. Interactions with customer service representatives proves equally unfruitful, with three separate interactions, each yielding different responses on the frequency of credit report and score refreshing.
Again, there is little which can be definitively stated as to the security of the website, except that customer service representatives state that “All data is secure.” They were unable to offer details about the methods which were utilized to back this statement up when queried by our reviewers.
Identity Theft Protection
Identity theft consultations are included in the cost of a monthly membership with FreeScore and are offered by Kroll Identity Theft Restoration. Identity theft protection, while covered with a membership to FreeScore must be activated prior to reporting that one’s identity was stolen and must be initiated by customers themselves, which is not easily found in the member area of the website. Additionally, protection is only available if identity theft occurred in the United States.
In spite of stating that monitoring is around the clock and email alerts are instantaneous, there is ample evidence that this is not the case in real-world scenarios. Members may monitor their credit reports and scores online or receive emailed alerts. FreeScore does not offer text of phone alerts at this time.
Time in Business
Vertrue, Inc. was founded in 1989 and ceased operations in 2010, at which time Vertrue, LLC was formed in a different state and continues to operate
320 Boston Post Rd.
Darien, CT 06820
8770 W. Bryn Mawr Ave
Chicago, IL 60631