Our FreeScore360 Review in a Nutshell
FreeScore360 is just another version of ScoreSense. As such, it offers an average credit monitoring service for a premium price. Between the high monthly cost, the difficulty some report in canceling their membership, their lack of transparency, and the fact that they sell and trade the personal information of their users, we do not recommend FreeScore360 at this time.

 

Rank Chart
Price
Reports Available
Our Score
#1
$19.95 - 29.95
3/3
8.3
#2
Free
2/3
7.4
#3
$19.95
Up to 3/3
7.2
#18
freescore360-thumbnail
$39.95
3/3
5.1

The Good

Three Credit Reports Per Month

Since it’s powered by ScoreSense, FreeScore360 provides users with fairly comprehensive access to all three of their credit reports, one from each bureau. Additionally, they get access to updated versions of these reports every single month, which is a solid refresh rate in the credit monitoring industry.

We like to see updated versions of these reports as often as possible since they provide users with the ability to catch changes, problems, or errors with their credit reports more reliably than relying solely on credit alerts. FreeScore360 does a good job giving users access to these reports on a regular basis.

Free Trial*

The entire reason for the name FreeScore360 is presumably because it allows users to get access to their credit reports and scores for free by participating in a free 7-day trial of the service. In theory, one should be able to cancel their free trial by calling the phone number on the homepage after pulling their reports. In practice, this may not be as easy as it sounds (more on that below). It is important to note that if the trial is not canceled within 7 days, FreeScore360 will begin to automatically bill the card on file for $39.95 per month.

Credit Monitoring

FreeScore360 does provide a standard level of credit monitoring, wherein they will email alerts to their users when they detect a major change to any of the three credit reports on file. The changes they monitor for include new accounts being opened, derogatory marks (like late payments), inquiries, new public records or a change in personal information (like a new mailing address). This level of monitoring is par for the course and can be found with nearly any credit monitoring service in the industry.

The Bad

Problems Canceling “Free Trial”

There have been many reports and complaints across numerous websites about FreeScore360 and ScoreSense making it notoriously difficult for its users to cancel their free trial to the service within the 7-day window. This wouldn’t be as big of a problem except that they require their users to put a credit card on file in order to sign up. As you probably can expect, if one doesn’t cancel in time, that card starts to get billed at $39.95 per month.

And canceling isn’t a picnic. Reports of long hold times, deceptive phone representatives, and other roadblocks are all too common. Most people wind up having to pay at least one month’s cost for the service. In fact, this was a major reason behind a $22 million FTC lawsuit filed against the company that owns FreeScore360, ScoreSense, and others.

If someone is looking for a free glimpse at their credit reports and scores, FreeScore360 isn’t a reliable way to do so.

No FICO Scores

FreeScore360 makes a big deal out of including credit scores with the reports its users receive. What is less apparent, however, is the fact that these credit scores are based on the CreditXpert model, which no major lender uses. What this means is that the credit scores a user gets with this service are not going to be the same scores, or even in the same ballpark of scores, as what lenders will see.

There have been many complaints from customers of both FreeScore360 and ScoreSense about the inaccuracy of its credit scores, in some cases skewing by as much as 70-100 points from the FICO score their lender pulled. This has led to many people either overestimating or underestimating their creditworthiness.

FreeScore360 does not make any effort to conspicuously disclose the nature of the credit scores they provide; one has to go all the way to section 19 in the terms and conditions to discover that they aren’t being provided actual FICO scores.

Selling User Information

FreeScore360 makes money by selling or sharing the information of its subscribers with third parties. This unfortunate practice is found in their privacy policy as follows:

With whom do we share your information?

We may sell, trade, rent or otherwise transfer your Personally Identifiable Information to others.

From time to time, we make the e-mail addresses of those who provide them to us available to other reputable organizations whose products or services we think you might find interesting. If you supply us with your postal address on-line you may receive mailings from other reputable companies.

Although this practice is not uncommon in this industry, more reputable companies will at least provide users with the option to opt out of having their information shared, sold, or otherwise brokered. FreeScore360 does not provide their users with any such option.

The Bottom Line

At the end of the day, FreeScore360 is just another version of ScoreSense owned by the same company, One Technologies. The fact that FreeScore360 even exists should raise a lot of questions: why would a company release multiple versions of an identical service under different names? In the case of One Technologies, it might be to try and avoid the negative attention, poor reviews, and discussing the lawsuits that ScoreSense has brought about. Rather than trying to address the underlying problems, One Technologies appears to simply be trying to cover them up with a new name.

Although we appreciate the potential for monthly refreshes of all three credit reports, it just isn’t enough. Like ScoreSense, the services FreeScore360 provides are merely adequate. Between the lack of transparency, lack of FICO scores, reselling user information, high price point, and lack of innovation, we cannot recommend FreeScore360 at this time.

Speaking objectively, there are other services that provide equal, if not superior, credit monitoring coverage for a substantially lower price.

Price Range

  • Monthly- $29.95
  • No contract- membership can be cancelled at any time by calling the customer service number.

Trial Details

They offer a free 7-day trial . Please check website for trial info after this date for further details. This gives customers access to everything the monthly membership has to offer.  You can upgrade your account to give you more information.

Scores & Reports Provided

FreeScore360 offers three credit scores and report with three bureaus- Equifax, Experian and Transunion.

Error Dispute

Members have access to a dispute center.  You can call and speak to a customer service representative or go online to dispute errors on your account.

Monitoring

A customer’s account is being monitored at all times, and an alert is sent out immediately.

Credit Score and Report Refreshes

Credit score and report is refreshed every 30 days.

Data Security

The website of freescore360.com is partnered with VeriSign and is McAfee Secure to protect against the loss, misuse or alteration of information that we have collected from you.  They use SSL-encryption technology when transferring and receiving consumer data on affiliates’ websites to protect your personal information.  The servers that store personally identifiable information on are kept in a secure environment.

This is stated in their privacy policy:

However, no data transmission over the Internet or any wireless network can be guaranteed to be 100% secure.  As a result, while we strive to protect your personally identifiable information, you acknowledge that there are security and privacy limitations of the Internet which are beyond our control; the security, integrity and privacy of any and all information and data exchanged between you and us through this site cannot be guaranteed; and any such information and data may be viewed or tampered with in transit by a third party.  We make no warranty, express, implied, or otherwise, that we will prevent unauthorized access to your private information.

Identity Theft Protection

Identity theft insurance is underwritten by insurance company subsidiaries or affiliates of American International Group, Inc.  It covers up to a million dollars, and helps cover costs for lost wages, travel expenses, elder or child care, initial legal consultation.  This link states all the details:

https://img1.cdn180.net/documentation/insurance/id-theft-insurance-summary.pdf

Alert Options

Alerts for activity on your account are sent to your account online.  There is not an option for phone calls, texts, mail or emails if fraudulent activity is suspected.

Better Business Bureau Score

There are 3 BBB links for FreeScore360 (or their parent company- One Technology L.P.):

freescore360.com BBB Alert

The information below was posted on November 24, 2014:

Better Business Bureau Serving Acadiana is alerting consumers to Credit Score OK, which does business online as freescore360.com.  The Federal Trade Commission has stopped an online scheme that allegedly lured consumers with “free” access to their credit scores then billed them a recurring fee of $29.95 per month for a credit monitoring program they never ordered.  The defendants marketed their credit monitoring programs, “MyCreditHealth” and “CoreSense,” through at least 50 websites, including FreeScore360.com, FreeScoreOnline.com and ScoreSense.com.  The only way consumers could cancel their membership and request refunds was to call a toll-free number. Consumers often had to make repeated calls to secure their cancellation or refund. The defendants often denied refunds to those who claimed they did not knowingly enroll.

Complaints Breakdown

This link states that this company is not BBB accredited.

Credit_Score_OK Business Review in Dallas, TX – Dallas Texas BBB

This link also states that this company is not BBB accredited, and has a F rating.  Factors that lowered this company’s rating include 2530 complaints filed and government actions have been taken against the business.

Time in Business

2010

 

Contact Information

  • 1-800-972-7204

Monday through Friday 8 am to 8 pm CST
Saturday, 8 am to 5 pm CST
Sunday, 12 pm to 6 pm CST

  • [email protected]
  • 4447 North Central Expressway,
    Suite 110 PMB 406 Dallas, Texas 75205

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