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LAST UPDATED: June 23rd, 2021

FreeScore360 is powered by ScoreSense, a membership-based identity theft protection service. As such, the two services are very similar and are both privately owned by One Technologies, LLC.

FreeScore360 provides information from all three credit bureaus and offers credit monitoring for a monthly fee. Those who are interested in FreeScore360's credit monitoring services can sign up for a free seven-day trial period.

In addition to credit monitoring, customers will also be able to receive one-on-one assistance from personal credit specialists and up to $1 million in identity theft insurance through ScoreSense.

Keep reading to learn more about the FreeScore360 credit monitoring service. 


The Good

  • Three-Bureau Reporting
  • Free Trial
  • Credit Monitoring
  • Identity Theft Insurance

Three-Bureau Reporting

Because FreeScore360 is powered by ScoreSense, the company is able to provide users with fairly comprehensive access to all three of their credit reports, one from each major credit bureau (Equifax, Experian, and TransUnion).

It's important to note that not all companies in the credit monitoring industry offer three-bureau reporting services. Since information can vary between credit bureaus, consumers who have access to their credit reports from all three bureaus will be able to have a better grasp of their current credit situation and what they can do to obtain or maintain good credit. 

Free Trial

FreeScore360 offers a free, seven-day trial period for its credit monitoring service. Users may choose to either cancel before the free trial period ends and pay nothing or continue with the company's services after the trial at the normal monthly rate.

This free trial is a nice feature and allows individuals to get a feel of the company's services without having to pay an upfront fee. 

Credit Monitoring

FreeScore360 provides a standard level of credit monitoring, wherein the company will email alerts to its users when it detects a major change to any of the three credit reports on file.

The changes monitored include new accounts being opened, derogatory marks (such as late payments), inquiries, new public records, or a change in personal information (such as a new mailing address).

Identity Theft Insurance

Unlike many companies in the credit monitoring industry, FreeScore360 provides users with up to $1 million in identity theft insurance. This included service can help users who want identity theft insurance save money since they won't need to pay for a separate identity theft service. 

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The Bad

  • High Price
  • Undisclosed Scoring Model
  • Monthly Refresh Rate

High Price

FreeScore360 charges a higher fee per month for its credit monitoring services than many of its competitors, which makes it one of the most expensive services in the credit monitoring industry. Consumers will find more affordable options with similar coverage levels with other top-rated credit monitoring companies.

Undisclosed Scoring Model

Unfortunately, FreeScore360 has not disclosed which credit scoring model it uses to report its customers' credit scores.

Most lenders use the FICO score model to determine creditworthiness, so it makes sense that consumers would want their credit monitoring company to use that model as well. However, many other companies in the industry use the VantageScore score model, which can result in customers believing they have a different credit score than the one that potential lenders will actually see.

Monthly Refresh Rate

FreeScore360 only refreshes credit scores and credit reports once per month. This is frustrating because, rather than being able to view their credit information in real-time, customers will have to wait several days for their credit reports to refresh.

Potential users should know that many other companies in the industry, especially those that charge for their services, offer weekly or even daily credit monitoring refresh rates. 


The Bottom Line

FreeScore360 offers three-bureau reporting, a free, seven-day trial, and daily credit monitoring. The company also provides users with up to $1 million in identity theft insurance.

Unfortunately, the company charges a relatively high monthly fee for its credit monitoring services compared to other companies. FreeScore360 also has not disclosed its credit scoring model and only refreshes credit reports monthly. It is also unclear as to whether or not the company provides users with a mobile app.

If you are searching for a credit monitoring service that also provides identity theft insurance, FreeScore360 may be the right fit for you. However, if you are searching for a service that charges a lower monthly membership fee, you may want to continue looking at other companies in the industry.

We recommend that you visit the company's website, read several FreeScore360 reviews, and consider signing up for the company's free trial if you are interested in this credit monitoring service. 

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