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.

Rank Chart
Reports Available
Our Score
$9.95 - 19.95
$29.99 - 49.99

The Good

  • Membership includes TransUnion credit monitoring and all of its features

Membership Includes TransUnion Credit Monitoring and All of Its Features

Signing up for GoFreeCredit.com enrolls users in a seven-day trial of TransUnion Credit Monitoring for $1, after which they’re charged $19.95 per month. In return, customers gain full access to all of the features of TransUnion Credit Monitoring, including:

  • Daily triple-bureau monitoring
  • Reports
  • Mobile app and web interface
  • ID theft insurance and credit lock

These features and more are described and reviewed in greater detail within our TransUnion Credit Monitoring review.

The Bad

  • Middleman
  • Information sharing
  • Tricks
  • Vague security precautions
  • No phone support


Although GoFreeCredit.com provides users with access to a good credit monitoring service through TransUnion, our review team found themselves wondering why would we sign up through GoFreeCredit.com instead of going directly to TransUnion? The price is the same, so what’s the difference?

Unfortunately, the differences we found are mostly negative. 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.

Information Sharing

When signing up through GoFreeCredit.com, before users are ever enrolled in TransUnion’s service, the service collects the user’s name, phone number, address, email, etc. According to GoFreeCredit.com’s privacy policy, this information can then be shared with and sold to undisclosed third parties


Additionally, while signing up for TransUnion Credit Monitoring through GoFreeCredit.com, there is a field for 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.

Vague Security Precautions

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.

No Phone Support

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 TransUnion. Users seeking to obtain phone support may be better advised to look elsewhere, although once signed up for the service, they will have access to phone support through TransUnion.

The Bottom Line

While customers are encouraged to do their own research, our review team maintains that GoFreeCredit.com doesn’t seem to provide its customers with any additional credit monitoring tools beyond those available for the same cost directly through TransUnion. Given its relatively shady privacy policy, questionable security, and roundabout ways of obtaining consent to be called by telemarketers, we strongly encourage potential customers to do their own research before doing business with this company.

More Information

Price Range

After the seven-day trial, you will be billed $19.95 per month.

Trial Details

Your free TransUnion credit score and $1 credit report are available as part of a seven-day trial to their subscription-based credit monitoring service.

Scores and Reports Provided

TransUnion credit report and score provided during trial period.  Monthly membership will allow you access to Transunion, Equifax, and Experian.

Error Dispute

Information is undisclosed.


Monitoring with alerts from TransUnion, Experian, and Equifax will be available after the trial period ends.

Credit Score and Report Refreshes

Information is undisclosed.

Data Security

GoFreeCredit.com talks a great deal about how it uses encryption and advanced security measures, but it doesn’t provide any sort of third-party verification that this is actually the case.


GoFreeCredit.com’s privacy policy permits the company to share user information with third parties. The company provides a way to opt-out of this in its privacy policy here under opt-out email.

Identity Theft Protection

TransUnion Credit Monitoring includes a few ID protection features including ID theft insurance, Credit Lock (which prevents access to one’s TransUnion credit report), and access to fraud victim specialists.

Alert Options

Be notified of critical changes on your credit report as they happen by email, text, or through the TransUnion mobile app.

Time in Business

GoFreeCredit.com was founded in 2007.

Contact Information

Are there any inaccuracies in this review? We take our accuracy very seriously and would love your feedback. Give feedback here.

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2 GoFreeCredit.com Reviews

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  1. User Score


    December 13th, 2016 Atlanta, GA

    Ghost site.. information on how to reach customer service is not available. says you can cancel at anytime before 7 days but no way to cancel. DO NOT USE THIS SITE.

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  2. User Score


    October 1st, 2012 Lehi, UT

    Finally a company with 1 price point with credit scores included! I’m guilty of logging in almost everyday! I am working on getting a loan for a new Ford F-150 tho.

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