FreeScore360

FreeScore360

FreeScore360 is powered by ScoreSense. As such, the two companies are very similar.

The Good

  • Triple-bureau reporting
  • Free trial
  • Credit monitoring

Triple-Bureau Reporting

Since it's powered by ScoreSense, FreeScore360 provides users with fairly comprehensive access to all three of their credit reports, one from each bureau (Equifax, Experian, and TransUnion).

Free Trial

FreeScore360 offers a 14-day free trial of its services. Consumers may choose to either cancel before the trial period ends and pay nothing, or continue with the company's services after the trial at the normal monthly rate. This trial is a nice feature and allows individuals to get a feel of the company's services without having to pay.

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 for 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).

The Bad

  • High price
  • Undisclosed scoring model
  • Monthly refresh rate
  • Lack of mobile app

High Price

FreeScore360 charges $39.95 per month for its credit monitoring services, which is one of the most expensive rates in the industry. Consumers will find more affordable options with similar coverage levels with other top credit monitoring companies.

Undisclosed Scoring Model

Unfortunately, FreeScore360 has not disclosed which scoring model it uses to report its customers' credit scores. Most lenders use the FICO 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 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 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 reports to refresh. Many other credit monitoring companies offer weekly or even daily refreshes.

Lack of Mobile App

It appears that FreeScore360 does not provide a mobile app for its customers to access their credit information on the go.

The Bottom Line

FreeScore360 offers triple-bureau reporting, a free trial, and credit monitoring. However, the company charges a relatively high price, has not disclosed its scoring model, only refreshes reports monthly, and does not offer a mobile app.

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