MyFreeScoreNow is a credit monitoring service which began in 2013. The company is located in Los Angeles, California.

The Good

  • MyFreeScoreNow offers a free 14-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.
  • 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.

Rank Chart
Reports Available
Our Score
$19.95 - 29.95
Up to 3/3

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.


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 offers identity theft protection services.

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


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7 Reviews

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  1. User Score


    January 5th, 2017

    They are rip off don’t do it using your credit card get a pay pal card be careful what you buy over the internet and they are hard to get in touch to cancel out you just be on hold so guess what you get no more money. Very upset! And I just did a one time score check not to join I don’t like this.

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  2. User Score


    December 13th, 2016

    I like the services myfreescorenow provides, credit reports from all three major credit bureaus are available, and all your information is displayed in an easy to use dashboard with lots of useful tools and features.

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  3. User Score


    December 13th, 2016 Post Falls, ID

    It’s nice to be able to forget about my credit report knowing MyFreeScoreNow is keeping an eye on it and will let me know when it detects something I should verify.

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  4. User Score


    December 1st, 2016

    Myfreescorenow offered exactly what I needed to start. My sister-in-law recommended the service to me. I only wanted one report, at the time, and the fee seemed fair. After reviewing my score and report I upgraded to the three w/ monitoring. I’m in my 7th month (home loan shopping and credit repair). I called customer service one to ask how to best offer assistance on how to work on my score and was quickly transferred to a rep who helped.

    I recommend this service although I might’ve liked to have been given the option to select all 3 from the start. All in all, good experience.

    – David H

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  5. User Score


    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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  6. User Score


    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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  7. User Score


    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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