Important: Same Service as TransUnion Credit Monitoring
When users sign up with GoFreeCredit.com, they are provided with a TransUnion Credit Monitoring account through TransUnion interactive, which we reviewed here. The same credit monitoring service can be obtained directly from TransUnion.

GoFreeCredit is a ‘white-labeled’ credit monitor, which means they’re just a reseller of someone else’s service. In this case, GoFreeCredit is a white-labeled version of TransUnion Credit Monitoring, which we reviewed here. Generally speaking, we advise going directly to the source to obtain products and services rather than through affiliates like GoFreeCredit, but as always, we encourage users to do their own research.

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
#15
go_free_creditdotcom-thumbnail
3/3
Yes
5.3

The Good

Membership Includes TransUnion Credit Monitoring and all of its features

Signing up for GoFreeCredit enrolls users in a 7-day trial of TransUnion Credit Monitoring for $1, after which they’re charged $17.95 per month. In return, customers gain full access to all of the features of TransUnion Credit Monitoring, including:

  • Daily Three-Bureau Monitoring
  • TransUnion Credit Report, Updated Daily, with VantageScore
  • Well designed 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

Although GoFreeCredit 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 them rather than through an affiliate like GoFreeCredit, they are 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. Specifically…

GoFreeCredit Shares Your Information with Third Parties

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

Straight from their Privacy Policy:

GoFreeCredit.com may from time to time, share your contact data with third parties in order to provide you with offers in which you have expressed an interest.

By submitting your expression of interest, you are consenting to receive telephone calls from our participating partners even if you are currently on any Federal or State Do Not Call List. If you choose to opt-out click here or email us at [email protected].

We feel that “Expression of Interest” is a pretty vague phrase that isn’t really defined anywhere in their terms.

Sneaky Way to “Trick” Users into Agreeing to Telemarketers and Robocalls

Additionally, while signing up for TransUnion Credit Monitoring through GoFreeCredit, there is a field for users to enter their telephone number. If one scrolls down past unnecessary whitespace on that page, we see some nice fine print, which reads (emphasis mine)

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 doesn’t appear to be certified by any actual data security firm, and while they claim to be a super-secure site, there is no evidence this is the case aside from their word that the site is “safe and secure”. Given the other practices engaged in by GoFreeCredit, potential customers might be wary of taking this company at their word.

No Phone Support

GoFreeCredit doesn’t provide any kind of phone support or online customer service for its users besides email. Instead, they try and 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 doesn’t seem to provide its customers with any additional credit monitoring tools beyond those available for the same cost directly through TransUnion. Given their 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 research before doing business with this company.

Price Range

After the 7-day trial, you will be billed $17.95 per month.

Trial Details

Your free TransUnion credit score and $1 credit report are available as part of a 7-day trial to their subscription-based credit monitoring service.

Scores & 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

Monitoring with alerts from Experian and Equifax will be available after your trial period ends.

Credit Score and Report Refreshes

Information is undisclosed.

Data Security

 

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

Privacy

GoFreeCredit’s privacy policy permits them to share user information with third parties. They provide a way to opt-out of this in their privacy policy here under opt-out email.

Identity Theft Protection

TransUnion Credit Monitor includes a few ID protection features including ID theft insurance, Credit Lock (which prevents access to one’s TransUnion credit report), as well as 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

2007 is the year stated on GoFreeCredit.com.

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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1 GoFreeCredit.com Reviews

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  1. User Score

    8

    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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