GoFreeCredit.com is a 'white-labeled' credit monitor, which means its just a reseller of someone else's service. In this case, GoFreeCredit.com is a white-labeled version of TransUnion Credit Monitoring, which we've reviewed here.
Generally speaking, we advise going directly to the source to obtain products and services rather than through affiliates like GoFreeCredit.com, but as always, we encourage users to do their own research. To view GoFreeCredit.com customer reviews, scroll down or view customer reviews here.
Signing up for GoFreeCredit.com enrolls users in a seven-day trial of TransUnion Credit Monitoring for $1, after which they're charged monthly fees of $19.95. In return, customers gain full access to all of the features of TransUnion Credit Monitoring, including:
These features and more are described and reviewed in greater detail within our TransUnion Credit Monitoring review.
GoFreeCredit.com offers a free TransUnion credit score with a $1 credit report as part of its seven-day trial membership. The offered credit report and score are a great option for those who want to try out GoFreeCredit.com's credit monitoring services without major financial commitment. Those who enroll in the trial membership can cancel the service anytime within the allotted seven days.
Although GoFreeCredit.com provides account users with access to a good credit monitoring service through TransUnion, customers might find themselves wondering why they would sign up through GoFreeCredit.com instead of going directly to TransUnion. Especially since both services charge the same payment amount.
We praise TransUnion's service because if you sign up directly with the company rather than through an affiliate like GoFreeCredit.com, it is very good at safeguarding user information and respecting privacy. If you sign up for the same service through GoFreeCredit, your information is not protected in the same way which could expose you to fraud or identity theft situations.
Additionally, while signing up for TransUnion Credit Monitoring through GoFreeCredit.com, there is a field for account users to enter their telephone number. If one scrolls down past unnecessary whitespace on that page, there is some nice fine print which reads the following:
"By clicking 'Next Step' I consent by electronic signature to be contacted about this request and related services at the telephone number provided above (dialed manually or by auto-dialer). This consent is not required as a condition to purchase services."
In laymen's terms, this means that, unlike every other field on that form, you don't have to enter your phone number, but if you do provide your phone number, they have your permission to bombard you with telemarketing calls and autodialers.
The fact that this disclosure was deliberately placed out of sight unless the user scrolls down (when they have no reason to do so) feels deceptive to us and some customers might be reluctant to work with a company that engages in these tactics.
GoFreeCredit.com doesn't appear to be certified by any actual data security firm, and while it claims to be a super-secure site, there is no evidence that this is the case aside from its word that the site is "safe and secure." Given the other practices engaged in by GoFreeCredit.com, potential customers might be wary of taking this company at its word.
GoFreeCredit.com doesn't provide any kind of phone support or online customer service for its users besides email. Instead, it tries to redirect all inquiries to its main provider, TransUnion. Users seeking to obtain phone support may be better advised to look elsewhere, although once signed up for the service, they will be able to receive phone support through TransUnion.
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