Important Score
Author: Kaitlyn Short
ImportantScore knows how important it is for consumers to be aware of and understand their credit score, as 90 percent of top lenders use FICO scores to determine if an applicant is a good candidate to buy or rent a home, purchase a car, receive a loan, or get a credit card.
ImportantScore allows consumers to access their FICO credit score and credit report online easily.
Top Ranked Companies
The Good
- 7-Day Trial Membership
- Credit Monitoring for All Three Major Credit Bureaus
7-Day Trial Membership
Signing up with ImportantScore enrolls users in a seven-day trial of Experian CreditWorks Plus for $1, after which they're charged monthly fees of $21.95.
Users can cancel anytime during the 7-day trial period without being charged.
Credit Monitoring for All Three Major Credit Bureaus
ImportantScore provides credit monitoring services from Transunion, Experian, and Equifax. Users will also receive an Experian Credit Report and a FICO credit score.
The Bad
- Undisclosed Refresh Rate
- Information Sharing
Undisclosed Refresh Rate
ImportantScore does not disclose its credit score refresh rate. This is important information for consumers to know since a lot can happen to their credit score in just a few months.
Information Sharing
When signing up for ImportantScore's services, consumers should be aware that their personal information may be shared with advertisers, external service providers (partner companies offering services to customers), and internal service providers.
If you want to protect your personal information, we recommend that you visit ImportantScore's Manage My Data page and request that the company not sell your personal information.
Customers can also request that ImportantScore delete their personal data.
The Bottom Line
When consumers order their $1 credit report and FICO score, they are automatically enrolled in ImportantScore's 7-day trial membership. During this time users view their FICO score and receive online access to their credit report. Users can cancel their trial anytime (without penalty), or they can continue to use ImportantScore's monitoring service for $21.95 per month.
ImportantScore works with all three credit monitoring bureaus and strives to help everyone protect customers from identity theft and fraud. However, ImportantScore does not disclose its refresh rate and consumers should be cautious about whom they give their personal information to.
We recommend that consumers compare ImportantScore to our top-rated credit monitoring companies to ensure they're getting the best deal.
