MyFreeScoreNow is a credit monitoring service which began in 2013. The company’s location is difficult to definitively state and customer service representatives did not disclose their company’s headquarters beyond that which is stated on the company website (California).
myfreescorenow.com-homemyfreescorenow-featuresmyfreescorenow-building

 

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
#26
my_free_score_now-thumbnail
$29.95
Yes
2.3

The Good

  • MyFreeScoreNow offers a free 7-day trial to see one of your credit reports and scores.
  • They offer an additional add-on to see reports from all three of the major credit bureaus and scores.
  • Customer service agents are available via online chat or by phone 7-days per week, during normal business hours.
  • MyFreeScoreNow offers a learning library for their paying customers as well as website visitors. The information offered is fairly basic in its scope, but it is a good starting place for those wanting to understand more about their credit.

The Bad

  • MyFreeScoreNow does not offer their customers access to all three of the major credit bureau reports or their scores without upgrading the service. At that, when ordering the add-on of all three reports, it is a one-time fee and monitoring will only be performed on one report/score.
  • Transparency is an issue which should be fully present with any company, especially those using one’s personal data. MyFreeScoreNow only gives information which is required to avoid problems (when the free trial expires, monthly fees, etc.), and little more than the very basic facts.
  • Customers are at MyFreeScoreNow’s mercy as to which credit report and score that will be monitored.
  • While some companies offer their customers assistance in disputing false information on their credit report or help with identity theft, MyFreeScoreNow does neither.
  • MyFreeScoreNow’s monitoring services are pricier than their competitors, and for less access to credit reports and scores than the competition.

The Bottom Line

MyFreeScoreNow has several red flags which suggest caution being used when giving them access to identifying data or using their services.

Our review team expresses significant reservation in recommending the use of this company to monitor credit reports and scores largely based upon the lack of transparency, lack of information about the parent company and their interactions with trying to get straight answers from customer service representatives over basic questions, such as an explanation or clarification on where the company’s headquarters is located. If a company cannot or will not disclose their physical location, there is reason to believe that they are not strictly honest with any material which they put forth in front of the public.

Our review team does not recommend using this company for the above reasons.

Price Range

After the free 7-day trial has expired, customers are automatically signed up with MyFreeScoreNow’s monthly credit monitoring service.  This subscription is billed month-to-month and does not include a minimum subscription term.  Customers are billed $29.95 on the 8th day after their trial and monthly after that until they cancel their membership.

Trial Details

MyFreeScoreNow offers one free 7-day trial period per person.  Please check back on their website after this date for any further updates. During the free trial, all features and reports are available to their customers.  Customers wishing to cancel their free membership are advised to call MyFreeScoreNow at 1-888-548-2008 no later than the 5th day of the free trial to ensure that future billing is not incurred.

Scores & Reports Provided

The default selection when ordering credit reports/scores MyFreeScoreNow is to receive a single score and report – at the company’s discretion.  Customers can order all three of their credit reports (Experian, Equifax or TransUnion) and scores for an additional one-time cost of $30.  Monthly monitoring and scores are from one bureau only and customers may not select from which bureau that the score/report will be used.

Error Dispute

While some companies offer some assistance in disputing errors which may be found on an individual’s credit reports, MyFreeScoreNow does not offer any sort of assistance beyond giving the basic information (addresses to which to send disputed information).

Monitoring

MyFreeScoreNow offers regular monitoring of their customers’ credit files and one score.  They do not state how often they actively scan for potentially fraudulent information or changes, neither on their website or via customer service representatives and are noticeably opaque.

Credit Score and Report Refreshes

Some companies will update your report or score with the most updated information for free once a year, quarterly, monthly or even everyday.  Please note how often the credit scores and credit reports are updated (please note if they offer 3 scores and only 1 is refreshed daily versus the others that will only be quarterly).

Data Security

MyFreeScoreNow uses the highest level of 128-bit SSL certificates to protect their customer’s sensitive data and information.  Their website passes independent security verifications with both McAfee and Norton.

Identity Theft Protection

MyFreeScoreNow does not offer identity theft protection services at this time.

Alert Options

MyFreeScoreNow uses email alerts to notify their customers to significant changes made on their credit report including:

  • New inquiries
  • New accounts opened in your name
  • Late payments
  • Bankruptcies and other public records
  • New address
  • New employer
  • Name change

 

Time in Business

MyFreeScoreNow began operation in 2013.

 

Contact Information

MyFreeScoreNow, Inc.

125 E Main St

# 352

American Fork, UT 84003

1-888-548-2008

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3 MyFreeScoreNow.com Reviews

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  1. User Score

    0

    January 18th, 2016 Las Vegas, NV

    I agree that myfreescore is a total scam, i went in think that i was going to receive at least one credit report for all three, but only got one. also their monthly fee for monitoring is in very small print and you will miss it if you don’t pay attention, like i did and when they debited my credit card i was shocked.

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  2. User Score

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    January 30th, 2015 Omaha, NE

    I was so surprised/upset when my credit card statement showed $29.95 for Oct and then again in November and now again in December. I can’t find a phone number to call and ask what the charge is for. I used this service for about 10 minutes on 10/17 and have no intentions of using it ever again. Not recommended to anyone. Why is it called “Free”????

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  3. User Score

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    June 13th, 2014 Chicago, IL

    What a total scam. I can’t believe how much $$ I flushed down the drain just to see my scores (a new 800 club member) – total ego thing. Bit me in the ass. I signed up for all 3-scores June 1 and since then, I’ve noticed charges totaling $95.85. Literally TWO WEEKS later. I am so upset right now… if you want to check your “free score now”? Run as fast and as far away as you can. Yes – you can do the 7 day trial but that is only for your FICO score… These people are thieves.

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