MyScore.com
Is This Your Business?1.1
3.9
Overall Score
Author: Kaitlyn Short
LAST UPDATED: June 22nd, 2021
MyScore.com strives to help consumers gain a clear understanding of their credit, manage it more effectively, and protect it against the escalating threat of credit fraud and identity theft.
The company works to educate its members about today's complex credit industry and empowers them to make smarter financial decisions.
MyScore.com gives members access to credit scores from all three major credit bureaus (Experian, Equifax, and TransUnion). The credit monitoring company also provides tri-bureau credit alerts, 24/7 monitoring, credit fraud consultation service, and more.
Those interested should note that the company does, however, charge slightly higher monthly fees than many other companies in the industry.
Keep reading to learn more about what MyScore.com has to offer.
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The Good
- Free Trial
- Three-Bureau Reporting
- Daily Refresh Rate
- My-Rewards Program
- Online Credit Learning Center
Free Trial
MyScore.com offers consumers a free seven-day trial of its credit monitoring services. During this trial period, members can take advantage of tri-bureau credit reports, email alerts, a credit fraud consultation, 24/7 roadside assistance, and the MyRewards program.
Three-Bureau Reporting
Unlike some other companies in the credit monitoring industry, MyScore.com gives members access to credit scores and reports from all three major bureaus (Equifax, Experian, and TransUnion). Because of this, customers can get a comprehensive look at their credit scores.
Daily Refresh Rate
While many other companies offer weekly or monthly refreshes, MyScore.com refreshes credit scores and reports on a daily basis, so customers can get an accurate look at their credit in real-time.
My-Rewards Program
MyScore.com offers a fairly unique rewards program for members called My-Rewards. The My-Rewards program is designed to help members obtain savings on various products and services. Some benefits that members can get from this program include roadside assistance, travel and hotel discounts, and more.
Online Credit Learning Center
MyScore.com gives all website visitors access to its online credit learning center. This page provides consumers with several pieces of helpful credit information.
The topics covered on this page include credit scores, credit reports, credit protection, and credit management. Consumers can use the information on this page to improve their current credit situations and future credit decision-making.
The Bad
- Undisclosed Scoring Model
- Higher-Than-Average Price
- Information Sharing
Undisclosed Scoring Model
It is unclear which scoring model MyScore.com uses to report its customers' credit scores. Most lenders use the FICO scoring model to determine a borrower's creditworthiness, but some credit monitoring companies only report VantageScores, meaning that the score the customer thinks they have is different than the score that lenders are looking at.
The lack of transparency in this area can be frustrating for potential customers who would like to be sure that they'll receive a FICO score rather than a VantageScore.
Higher-Than-Average Price
After the trial period, MyScore.com charges $39.90 per month for its credit monitoring services, which is relatively expensive when compared to the price charged by several other top credit monitoring companies.
Information Sharing
According to MyScore.com's privacy policy, the company reserves the right to sell and trade its users' personal information. In addition, there is no way to opt-out of this.
The Bottom Line
MyScore.com offers a free trial, three-bureau credit reporting, daily refreshes, as well as helpful services like credit fraud consultations and a rewards program. The company also provides a useful online credit learning center.
Unfortunately, the company has not disclosed which scoring model it uses and its price is higher than what most companies charge for paid credit monitoring services. Additionally, the company may share personal information with third parties.
If you are looking for a credit monitoring service that offers three-bureau credit data as well as additional services, MyScore.com may be the right fit for you. However, if you are searching for a more budget-friendly service, you may want to continue your search. We recommend that you conduct thorough research and read several customer reviews before you sign up for any credit monitoring service.
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William Cameron Yuba City, CA
I just had a horrific problem with MyScore. While signing up it a notice popped up that said I already had an account with them but no information was given nor was a chance to sign in with a user name and password that is nearly unbreakable that I use with these types of companies. I brushed it off and kept entering the required info. I must have typed my phone number and social security number 3 or 4 times. Once I got in, the real problems started. Only my TransUnion score was available. The boxes for Experian and Equifax said "order now". When I clicked on either I was taken to a page that told me my scores would be available for free 7/13/16, exactly a month from today the day I signed up. I called customer service to get some reason as to what was going on and after 5 transfers I got no help. The 1st person I talked to was a wise ass. He kept saying, "I cant hear you, I cant hear you..." So naturally I talked louder. Then he told me he notated the account that I was a belligerent customer. I called him out on that but little good it did. One gal tried to reset my password by sending me an email. I went through the process with the same results. After that I told her I wanted to cancel. I expected three scores. I have Credit Karma and they only have two credit bureau scores. One of them is Transunion and their score was 95 points higher than MyScore. After asking to cancel i was told I would be transferred. I wasnt. I was dropped. I called back and after 3 more transfers I finally got someone who could do it. I told her that after she cancels my account I would like to speak to a manager. She canceled my account and transferred me. I got a very soft spoke gal who asked me a dozen security questions and then asked what the problem was. I ran through the litany of issues and while talking to her I happened to check my email. I didn't see it before but I got an welcome email from them that told me to logon and it had BOTH my user name AND password in bold letters. Such a huge security risk. You simply don't do that. That is like sending someone their ATM care with the pin number. If someone hacked my email provider or my computer they would have everything needed for identity fraud. I explained this to her and I got no reaction. She simply didn't get how egregious it was. So after explaining all the problems I got a meek "Im sorry, is there anything else I can help you with?" I told her I wanted these problems sent up her chain of command. She said she would do that....ya right. Now I am watching my bank account like a hawk. This company is a nightmare.
8 years ago
Jefford Peace Worcester, MA
I wished I have saw and read your review about MyScore.com, otherwise I would not be going through the same details and total BS from them literally "stealing" monies from me after I cancelled my free trial membership over (4) months ago! I have since called these "****" more than (5) times and all I get is the same run around and "scripted" excuses why I have not receive my refund? They need to be STOPPED!!!
8 years ago
D Ward Springville, UT
This business operates a website "clickmyscore.com". I signed up for a 7-day trial and cancelled after 5 days. The company charged my credit card the membership fee before the trial ended. I called the company and asked them to issue a refund. The agent said he would do that but also wanted me to stay on as a member for no charge. I indicated that unless they issued the refund, I wanted nothing to do with the company. He said he would process the refund. The refund never came. Then they charged me again about 60 days later. I called and said that I had cancelled my membership; then I asked why I was charged again. They said that the representative didn't cancel the membership. They proceeded to cancel the membership and then transferred me to the "refund" department. They said they would issue a refund for both months and it would take 3-5 business days. On the 5th day, the refund still wasn't issued. They said to call back tomorrow. I called on the 6th day. The agent said that the refund hadn't been "approved", but she would submit it for approval and I should check back in 3-5 days again. While I was complaining about how ridiculous a request that was, my request somehow magically got approved and she said that the refund was processed. Now two days later, I have not received my refund. Avoid this business. They are dishonest.
7 years ago
Samantha V Becker Missoula, MT
I discovered that they had been charging me monthly for this. I never signed up for it and I have no idea how they got my information. I called them to cancel and get a refund and the guy put me on hold for 20 minutes and then hung up. I called back and the woman agreed to cancel then transfered me to a refund guy. He tried to tell me that it's not fraudulent and I argued with him until he agreed to pay up. However he would only give me a fraction of what he owes me. They told me they would send me an email with a cancelation confirmation number. That email never came. They still billed me and I never received and refund. I had to get a new card number just to get away from the charges.
7 years ago
Becky Ayres
Absolutely abysmal. I called 3 times to try to cancel. The first time they said they couldn't locate my account by my phone number then disconnected. All the accounts are listed by email address. When you try to sign up for a NEW account they indicate that you have an existing account and to login there. When I attempt to login and change my password it says my email is not valid. If it's valid enough to tell me I can't sign up for a new account then it should be valid to change the password.
I finally get a hold of someone to cancel and they want to continue to lower the price to cancel. The other problem is that Myscore is the one taking the payment but allegedly your account and services are under escore.com. They are incredibly shady to deal with. DO NOT GIVE THEM YOUR MONEY.
7 years ago
S Wargin Cleveland, OH
I supposedly cancelled my account back in September and then surprise, I get a charge for something called "Golden Score" which is connected to Click My Score even though I cancelled back in September. When I called in, the lady said there were no notes about my cancellation. Then she tried to convince me to not cancel for a good ten minutes. Every time I said "No thank you, I'd still like to cancel." She'd say "Okay, well here's another offer I can give you if you stay." FINALLY CANCELLED. But I made sure to call my bank so that they would not be able to charge me again even though my account is supposedly cancelled. Yeah, okay, we'll see.
7 years ago
Brenda Lee Oakes
I just got off the phone with this company for the second time today and got the same run around as other people have gotten!! Couldn't understand their accent, they couldn't find my name (even though they had charged my account $1.00 trial fee) etc.. couldn't cancel my account and asked me to call back. I was within the 7 days, and since I used my discover card I called them and they immediately changed my account # and are issuing a new card. The girl stated by changing my account # and not just blocking My Score.com charges...they couldn't use a different name to get around my block. She was very helpful!! BAD COMPANY !
8 years ago
MARGARET SNIDER San Antonio, TX
THEY CHARGED MY CREDIT CARD AND THEN WHEN I WENT IN TO FIND OUT THE NAME OF THE BUSINESS NO ONE WANTED TO GIVE ME THE ACTUAL COMPANY NAME. THE CUSTOMER REP KEPT PASSING ME FROM ONE ANOTHER AN THEN 1 WAS PUT ON HOLD FOR 49 MINUTES NOT ACTUALLY HOLD JUST THE REP MUTED THE LINE. SO I USED ANOTHER PHONE TO CALL BACK. THE INFO THEY HAD ON MY SO CALLED ACCOUNT WAS NOT MY INFO. ALL I WANTED WAS TO HAVE THE MONEY REPLACED ON MY ACCOUNT THAT THEY WITHDREW WITHOUT MY AUTHORIZATION AND IT WAS EASIER GIVING BIRTH. THE CC REP WAS SMIRKING AND LAUGHING WHEN I TOLD HER WHAT SHE WAS DOING. IN MY OPINION THE COMPANY IS A SCRAM A FRAUD AND THEY USE THIS AS A FRONT TO GET YOUR MONEY AND NEVER DELIVER ANY SERVICES. WATCH YOUR ACCOUNTS IF THIS COMPANY HAS ACCESS TO THEM. $30 A MONTH ADDS UP WITH OVER 200,000 PEOPLE OR MORE.
8 years ago
Quovadus Blake
I used to work with the company Nexus Op. Now when you are trying to cancel your membership they will give you a bogus email and confirmation number as if you have been canceled. Truth of the matter customers money are still being stolen and we as the 'customer service rep' were coached to tell you that you were canceled. Once a customer calls in about charges or a refund we were then prompted to read a script stating you will receive your refund with in 5-7 business days. You will never see your money every thing is scripted. Once I realized that we the customer service reps were getting paid by my score drafting money over and over from customers bank accounts I quit. I have also contacted the BBB. Now how ever when contacting do not use the number on BBB that nexus op posted its like you will be calling one of their agents or so called managers. Advise cancel your bank cards immediately. This company will continue to draft from your bank account until they can't any more. I have had people call and say well I have canceled way back in 2015 and I am still being charged. Cancel your account.
8 years ago
Fred Mathiews
I live in Canada and noticed a charge of $1.05 on my Mastercard in the beginning of August 2016 with another huge charge from some online clothing company. I called Mastercard and cancelled my card and reported fraud. They reversed the charges. Then I see another charge for $29.95 from the same company SVCRT.COM. I called and they said I signed up for credit monitoring from myscore.com. I told them I did not and reverse the charges. They said some lady in Ohio USA used my credit card to sign up for credit monitoring which I find ironic as this lady has my credit card info. I told them to cancel and reverse the charges. They transferred me around to 3 different agents. None of them sound professional or work in a professional environment. Maybe they are working from home? Dogs were barking in the background. I don't know if this is a legitimate company. Who knows if they will actually reverse the charges? I don't know why people are so stupid to go through a third party for credit monitoring and scores when they can go directly to Equifax or the source. Stay away from myscore.com. Shady company.
8 years ago
Kalo Salt Lake City, UT
I spent 3 hours in total of my time with Representative who keeps telling me one thing to another, spoke with 4 different Reps and none of them knew what they were doing. I got frustrated and asked them to cancel my account and refund my money lady said ok i can cancel your account but refund has to be done with the escalation dept transferred me there and the lady who answered the call said i'm the 6th person they've sent to her and there's nothing she can do for a refund, frustrated even more since wasted 3 hours with this BS crap, I'd rather lose 2$ from them double charging my account with the $1trial period (and they told me my payment returned when my balance is well over $1 lol) I'd rather lose that 2$ than losing my Sanity over these people. I WILL NEVER RECOMMEND THIS COMPANY TO ANYONE.
8 years ago
Clatrina Atlanta, GA
This company is certainly a scam. My card was charged 29.95 for over a year. Sometimes multiple charges in one month. Lesson to self, to check my credit card statements each month carefully. Anyway, after several calls to the company and being disconnected three times, they agreed to refund $80. Ha! What a joke. And that has yet to be seen. The icing on the cake is that after several attempts to try to get my money back, I received a call from a PRIVATE NUMBER. On the other end was a sweet lady who works for a third party customer service company who takes calls on behalf of this company, told me that she takes hundreds of calls a day from customers who have been victimized by these people. She advised to me report GOLD MY SCORE to the federal trade commission. I intend to do just that. She stated that if enough people report them, it is likely that they will shut them down. Fine by me, after all, they stole at least $700 from me.
8 years ago
Michael Adams Fruitland Park, FL
I cancelled my membership and received an email stating it was cancelled on 6/17/2016. Then on 6/23/2016 they held our $29.95 out of my checking account. I then called them on 6/23/2016. I was told several different stories by seven different agents. I was told they email me confirmation that the refund was being sent back. I never received the emails as was told ten minutes. I was told by agents my money would be credited back right away. I was also told it take three to five days. I was told that they even had another credit card on my file and it
was credited my refund. Seems kind of funny as
they had my information to charge my account. I
was told they had an email on file that was not even
my email address. Then I was told that the email
address was wrong. They are supposed to protect
from fraud but doing it themselves. Everyone tells you a different story. I also have bank fees as it put me in the red as I thought it was cancelled on 6/16/2016. Also was told the name was wrong but sure got the $1 plus the $29.84 from my account. I was pushed to sign up for a loan to sign up with them.Beware and stay away as most of them cannot even hardly speak English. Then they argue with you and lie to you.
8 years ago
Olga GBouable TX
I cancelled my account on the 6th days of the trial. 2 month later I find out that I was charged $29.95 so I call them for a refund, they agreed to do so ,and also came to find out that I was charged 2 months ago I didn't even know. So they were going to refund me the 2 months.in 5 to 10 business days But guess what, I never received any money. Call them, put me on hold for 20 minutes. Call back talk to someone who doesn't speak English. Ask to be connected to a supervisor, stay on hold for another 17 minutes. I have to hung up. This company is not Credible. They need to be reported to BBB.
8 years ago
jayy flight Baltimore, MD
ok, i was doing some paid surveys. i get redirected to this website. i am forced to pay a dollar as a one time fee, ok i am cool with that. they said you can cancel anytime. i only wanted the trial. so after one day i call to cancel. i am told that it was canceled and that i would be refunded. i wait 5 days i call back, oh sorry sir there was a delay in the system. we will push your refund through now. so i hung up and i tried to get another customer service agent, but every time i call it always sound like the person i just spoke to. i knew something was up . first time they kept charging me a dollar then i got charged 29.95. then i got charged 9.95. this has to stop. i never received my refund. i hate people that steals from people who worked very hard for there money. its mostly indians and arabs. they said my refund was processed still no money. i live off of section 8 ad food stamps , so every penny counts. its wrong and cruel to steal from people.
8 years ago
Jey Pheonix Midvale, UT
I made an account to check my score for a housing website that didn't even accept it. Afterwards I called to cancel my subscription. Not only is it obnoxious that you have to call to cancel, but the website itself has BROKEN BUTTONS that will not allow you to remove your card information. The call took 20+ minutes, and I did not appreciate the overly long script that the attendant was forced to read to me. Not only that, but once my cancelation email arrived, it said that though my request was today, my account wouldn't be canceled until 8 days in the future, while my free trial ends in 7 days, meaning that they want to charge me for the first month and THEN cancel my subscription, even though I called an hour after making it. I am not at all impressed and will be actively try to delete my account before that happens.
8 years ago
DawnS. Philadelphia, PA
Ok So On March 19, 2016
I had an unauthorized withdraw of $39.95 (mind you I thought it was $19.95-29.95) out of my account from my score.com. Once I noticed it I immediately called the customer service line (888-840-4961) it took them about 20 to 30 minutes to process it then I was switched over to another line because I wanted a refund. But before I get to the other line I was hung up on so I called back and had to go to the same process AGAIN SMH. So finally I made my refund process I was told I was given 3 to 5 business days and my money will be back on my card so as I'm writing this review it is now March 30, 2016 I still haven't received my refund yet and I called three times prior and I was told my refund was delayed. So I'm hoping today is the last day I have to call my school work to get my refund processed ONE LAST TIME. I give it three star because I'm very disappointed I thought it would be better I went online to see my score it and it did not tell me nothing I didn't understand it not one bit unlike Credit Karma (Which I Absolutely LOVE). So I did not recommend my score to anyone. Or do your homework first!
8 years ago
Bonnie Fayetteville, NC
Getting a refund has a very bad experience. The company customer service department has people who speak English poorly. It takes ten seconds to charge your credit card and a promise of 10 business days to get a refund. Not getting a refund in the stated time, I was told that an error had occurred and a rush was put on the account and it would take another 3-5 business days to process the refund. A 3rd phone call was just as frustrating, tell me it would take another 3-5 days for the refund but they were trying to expedite. The background noise talking to the 2nd level supervisor sounded like a sweat shop and I was being transferred between co-workers. If I do not have a refund within 24 hours, I am going to report this business to the Better Business Bureau, the Attorney General of North Carolina and the Federal Trade Commission. There are major process issues, some people have been very polite but unable to carry through effectively on basic procedures. This company needs a major audit for process improvement.
8 years ago
Tara
The charged me for 5 consecutive months and I finally was able to cancel my account a few days ago. I called the number I found online (855) 531-7968, when the recorded woman came on I pressed 0. She then said zero and i was transferred to a guy who actually cancelled my account. But not before telling me about all I would be missing out on by canceling. (Eye roll, I'm so sure guy) i got a cancellation code and his name and ID#. He then transferred me to the escalation dept for my refund and a very rude woman told me there is no refunds and hung up on me. When i called the number back and didn't press 0, it went directly to the escalation dept but they were closed for the day. Scam company taking money and providing no service IMO.
8 years ago
Steffanie Plano, TX
I have never dealt with such poor customer service in my life. I simply called to cancel within the 7-day trial and found they charged me the very next day after I called.
So I called to demand a refund...well it took over a hour on the phone to speak with the escalation department. I was hung-up on by the first escalation agent then the 2nd customer service agent coughed and sniffled repeatedly without a simple "excuse me". The 2nd escalation agent took all of my info to find after he put me on hold I was stuck back in the waiting queue. I called from my house phone and was connected to the same escalation agent. The escalation agent assured me I would receive the refund within 3-5 days, and will send a confirmation email.
I immediately notified my bank and gave them the agent's ID #'s, the time of the call and MyScore contact number.
My recommendation...If you do not receive your refund contact the BBB and the Attorney General's Office. They will insure you your money back.
I would never ever ever use this company again and will not recommend them to anyone. They are the worst...Stay clear away from this unprofessional company.
9 years ago
kelly peterson Carson City, NV
I used myscore.com to check my credit score not realizing that it was going to charge me $29.95 monthly. I noticed the same day that my online banking had a charge of $29.95 by myscore.com. I immediately called them and that they return my money only after going through an agent to get a supervisor to reimburse my money. The supervisor told me it would be reimbursed within 5 working days. That was on 12/23/14 today 1/2/15 I checked my account and there still hasn't been a reimbursement of my money liked promised my the supervisor. So I called myscore back and talked to an agent. That agent said there was no record of my money being recorded and passed me onto a supervisor. As I was talking to the supervisor I had my online bank statement up and staring right at me. The supervisor insisted that I had been reimbursed even after telling him that I was looking at my bank account as we spoke and there was no re- deposit of $29.95 I was dumb founded by the lack of integrity of this company and told the supervisor that his company is dishonest and so was he and that there thieves. So Who ever reads this beware this company don't care about your score and protecting it, they care about your money.
9 years ago
gayle smith Medford, NJ
Just wanted to add that if your continue to be charged, get a new debit card or if possible, close your credit card or inform them of what is going on, I've found they are sympathetic to people getting ripped off by companies such as MY SCORE. They will refuse to honor their request for payment if you explain and provide proof that you cancelled.. I have stopped using any of these companies and only use the only real "free" credit report which is CreditReport..Com which entitles you to one free credit report a year. Make sure you have the right site, they will explain that you are entitled to this free once a year. MYSCORE>COM is a total ripoff.
10 years ago
gayle smith Medford, NJ
After being charged for the monthly fee, I called the company and requested a refund as I had cancelled my membership within one week of signing up. They were very cordial, admitting they had made a mistake, but, its been more than 2 months and several e-mails and have never received my refund which is owed me as I cancelled well within the time frame. I just got yet ANOTHER e-mail requesting that they want me back. want my money back and never want to hear from them again. They do not refund your money even though they admit they charged you when they shouldn't have. If I don't receive a full refund within 2 weeks, I am reporting them to the Better Business Bureau which I have had great success with in getting refunds from these kinds of companies.
10 years ago
Drucilla Gallego Las Vegas, NV
I called to cancel my trial period. It was suppose to be a free trial period but once they get your credit card number a $1.00 fee is applied to your bank account. I called to cancel this trial period and the representative tried to talk me out of cancelling. Operator #16145 kept arguing and refusing to accept my cancellation until I was utterly furious and I hung up.
I don't appreciate my business being handled by foreigners as this representative is one of the offshore employees to various corporations from the U.S. I consider this company unethical and strongarming customers into submission into accepting their credit report subscription.
I don't want it!!
10 years ago
AJ Chesterfield, MO
Terrible company. I signed up and called to cancel the same day. I got an email from them about the call but I didn't read it because I figured it would say that I had cancelled. One month later I get two emails from them saying that my credit card was declined. Called to cancel again and they said they would cancel it. The Customer service people are morons. Went back to look at the email and it turns out rather than canceling my account the first time, like I asked, they gave me a free month. And charged me $1 for the privilege. Sure hope it took this time and I'm glad I have no money in the bank.
10 years ago
Joe Reese Simpsonville, SC
Offer Details:
By submitting your order your card will be authorized and you will be eligible to receive your free credit score, and begin your 7-day trial membership with MyScore. At the end of the 7-day trial period, your credit/debit card will be charged a total of $29.95 USD by GLD MYSCORE on a monthly basis unless and until you call (855) 331-9531 to cancel your membership with MyScore. You may cancel your membership at any time. We do not offer prorated refunds.
Called back withing 10 min to cancel .. sd not the # to call
So I termed and tried again ..
Sharla id # 11347…..
Sd she needed # --- advised that I never gave # so therefore no affiliation to the #
Isisted so I gave sd not in system
Iread the above cancelation policy and the # sd yes I found your file now I must tellyouof the benefits of credit protection and monitoring advised this rep I was not interested sd to hold while she processes the cancellation ..
Cancelled 6/19/14
Cancellation # C4712887
On hold for 18 min for a manager… so I called back
Still no email conformation
New agent ID# 13811 Name:
Had her pull up with my e mail address even insisted for a # this time I refused # and gave the email
Said she had to pull up and review hold…
Said wait 24-48 hours for email
Super: Rodney id # 21234
Trans the other agent stayed on
Then she was like I can't believe he hung up advised this is what the company she works for does
Said she has pulled up the file on me again and will try to get a manager
--
Super Ana ID # got on ID# 1531 said she is the highest supervisor and no one is above her and do what you have to do e mails are done in bulk and will take 48 hours
10 years ago
Kyle East Greenwich, RI
Through Peanut Labs, I signed up for MyScore.com for a FREE trial for 7 days that would give me my 3 credit scores immediately and I would receive via Peanut Labs from MyScore 360 gems to use on Pogo.com. They welcomed me with email; I confirmed. They only gave me ONE credit score, billed my credit card $1 and denied any knowledge of Peanut Labs. I never received the gems. They reported to Peanut that I was not signed up. (I still have all their mail). They have the same offer via Peanut today. I canceled within 7 days. All my complaining did was receive an email saying they would refund my $1. Haven't seen that yet, either. Collected TONS of personal information and then proved themselves to be a scam.
10 years ago
Scott Massay TX
BEWARE OF THIS COMPANY AND IT'S PRACTICES. IT IS WORSE THAN THE PEOPLE THEY TRY TO PREVENT ACCESSING YOUR CREDIT. THEY'VE NOT ONLY MADE FRAUDULENT CHARGES ON MY CREDIT CARD, BUT ONCE YOU TRY TO CALL THE PHONE NUMBER ASSOCIATED WITH THE CHARGES ON YOUR CARD'S STATEMENT, THEIR COMPUTER LOGS THAT NUMBER, "YOURS", AND BLOCKS IT FROM ACCEPTING ANY FUTURE CALLS TO DISPUTE IT. EVEN THEIR WEB-SITE'S CUSTOMER SERVICE PHONE NUMBER DOES THE EXACT SAME THING. THEN YOU ARE BLOCKED FROM CONTACTING THEM AND I HAVE ACTUALLY HAD TO CANCEL 2 CREDIT CARDS NOW, AND PAY THOSE FEES TOO, JUST TO "GET AWAY FROM THEM". sO NOW, THEY SHOW I AM A MEMBER BUT CANNOT ACCESS THE COMPANY THAT AM SUPPOSED TO HAVE HIRED TO PROTECT ME FROM PEOPLE JUST LIKE THEM. THIS IS A PERFECT EXAMPLE OF "PAYING" THE WOLF TO GUARD THE HEN HOUSE. TAKE MY ADVISE, PLEASE, DO NOT HAVE ANY THING TO DO WITH THEM AND I URGE YOU TO CONTACT THE AUTHORITIES, THE BETTER BUSINESS BUREAU, AND ANY OTHER AGENCY THAT MAY HAVE SOME ENFORCEMENT OVER THEM AND THEIR PRACTICES. I AM DOING SO RIGHT NOW AND ANYONE ELSE SHOULD DO SO AS WELL. THIS IS JUST A CROOKED A COMPANY AS THE "PAYDAY LOAN" OUTFITS THEY ARE ASSOCIATED WITH. "DO NOT TOUCH, GO SOMEWHERE ELSE". YOU'LL BE BETTER OFF AND GLAD YOU DID. THAT'S MY 2 CENTS WORTH. NOW I HAVE TO TRY TO GET THE $40+ THAT THEY HAVE SWINDLED ME OUT OFF, JUST FOR ONE MONTH, AND THEY DON'T EVEN ACKNOWLEDGE THAT I AM A MEMBER, BUT THEY SURE TOOK MY MONEY "WITHOUT MY AUTHORIZATION". THIS OUGHT TO BE FUN. IF ANYONE WANTS MORE THAN THE 2 CENTS, FEEL FREE TO CONTACT ME, SCOTT.
10 years ago
Mikey Meridian, ID
Figured I'd put this down as well. I just now got off the phone with a woman named Jackie from their customer service line. 10 out of 10 for her as a person and for the service she provided. She was able to tell me my account had been canceled as I wanted, and she was able to answer my question about my account on the website still being active after I had canceled. It takes them up to 48 hours to purge said account, if case you're wondering.
My advice to anyone having these problems, be persistent. Apparently they do have good people working their phones, from home, which could explain the long wait times. One woman I spoke to had a smoke alarm in the background with a low battery. But, if you draw the right straw, you'll be taken care of.
Worst comes to worst, file a report with the BBB. Even when the BBB has found it to be the filers fault, MyScore has ponied up a refund, maybe out of fear of someone digging more deeply into their practices.
To those who are still having these problems, good luck.
11 years ago
Mikey Meridian, ID
A few tips for people having problems. First, call them early. They start taking calls at 8:00AM, Eastern time. I called at 7:30AM Mountain time, or 9:30AM Eastern time, and I wasn't on hold for more than a minute.
Second, the one dollar charge really is only to verify the account. It will drop off on its own, at least according to my bank.
Third, you can change the information in your account to ensure they cant take anymore money from you. At least, I think so. I changed some stuff, and the customer service rep couldn't find out who I was until I used the fake information.
Last, if you cancel your account within the trial like I did, your bank will have your back. If not, then you're going to end up having to eat the charge, because by the letter of the contract you entered by making the account, you allowed that charge. Anything else after the moment you cancel that account can be claimed as a fraudulent charge and they will fight for you.
I do hope this can help at least one of you. I live off around sixty dollars a month, so I know more than most what it's like to have even one dollar taken from you that you didn't have in the first place.
11 years ago
HAN
WORST EXPERIENCE EVER!
I had the worst experience dealing with the customer service. I don't know why but this month when I signed in to the system, I was unable to see my report. The report options are with question marks asking to pay for it, but I've already been charged every month(and i was able to review the score in past months.) There's no error message anywhere on the website, so I figured out that I should call the support team to find out why this happened.
First I spoke with a nice person who said "oh you need to do a manual activation. Don't worry, I'll transfer you to another department. The activation is simple" Then, the second guys was pretty rude. Not helpful at all. He said things like "I wish I know why it's not working, but I don't know." "You're only able to review the score once. Maybe when you first signed in, there was a system error. But I don't know. I have no idea what's wrong." He just kept looping these non-sense instead letting me know what I should do, then I gave up. I told him that I wanted to cancel the service since I paid but not able to see anything.
You know what happened next? He hung up the call right away!! Without saying anything to me! I had to call back and confirmed with other agent and confirmed that he did cancel that service. It's such a bad experience. I wished I had written down his ID but unfortunately I didn't. I won't recommend this service to any of my friends because they have a confusing website plus the worst customer support team!
11 years ago
David Fontana, CA
Swindle defined. I signed up for the $25 credit check, which I understood to be a one-time deal. Now I find myself in a $29.95/month "premium membership", with no way to cancel through the website. Tried calling them, was waiting over 15 minutes on the phone and couldn't get through. Had to go on my way but I will be calling again.
It's no coincidence you can't cancel through the site, and it's not coincidence that you're not emailed about the premium membership, either. The people setting these sites up are the scum of the Internet, bottom feeders scraping up what they can from inattentive and unwitting customers.
I know how the phone call will go: the CSR will sell me every inch on improving my credit score and will only consider cancelling my account after I repeat "no" umpteen times.
11 years ago
Leah Burke Portales, NM
This company is the worst company for customer service I have been waiting for a month and a half for refund of the initial month charge from cancelling the membership. I have never had to fight as hard as I have with this company I will never visit this sight and I will not be recommending it to any one in fact I am very close to filing a lawsuit with the company if I do not receive my money soon or get to talk to a manager.
7 years ago
John Henry Herndon, VA
I never signed up, so I called the first day I got an e-mail from them, got a cancellation #, and was assured nothing would be charged on my credit card. Yet 5 weeks later, I noticed $1 and $4.95 were charged, so I called AGAIN. The person I spoke to said she saw that I'd canceled, yet they didn't want to give me a refund until I quoted my cancellation #. I had to call just now to get assurance I would get the $4.95 back because I only got an e-mail saying I'd get the $1.00 back! WHAT A TOTAL SCAM OF A COMPANY!
7 years ago
Kayla McElhannon
Cancelled 2 days into free trial with Clickmyscore.com. They charged me anyway after 7 days. Talked to multiple people promising a refund. NO REFUND and they charged me again the following month. When I called on that charged, all of a sudden they all had trouble hearing me and kept hanging up on me. Finally got my bank involved to clear the matter. Zero out of five stars. DO NOT RECOMMEND
7 years ago
SW Cleveland, OH
Worst company I've ever tried to deal with. When I called the number I found on here, there was no one I could understand and I was told I couldn't have refund. So I came here and saw someone post this phone number (1-855-421-9615) and said to call them and they'll refund you. I called and a woman who I could actually understand looked up my information and gave me my refund. It went back into my account today. I went ahead and called my bank and made them block the company from trying to charge me again. This was the most ridiculous experience I've ever had. DO NOT USE THEM.
7 years ago
FanTan Greenlawn, NY
I found what I think is the manager refund line. It is 855-421-9615. I just called it and got a refund, no one bugged me about it. That is really the best number to call I think. When I called they did not as why or anything, and the refund was back in my account t5he next day, which I think we really fast
8 years ago
Randesha Giggers
It's the worst. They are use a s a third party to MIS keep charge your account with a cancellation notice. Will never use them and will not refer them. They charge me for three months after a cancelled the service and will not provide you with a refund, they also clam they can't do anything about the charges cause it's no one handle their billing department. Ten thumbs down. They suck.
8 years ago
Lizzie Walton Bell, CA
My score took money from my account without me authorizing it I've talked to several of their customer service and supervisors and have not been given a refund back it has been almost 30 days my score in fake fake and fake and I will be contacting Thebetter Bureau office i cancel the account on 8/31 when they took $39.90 out of my account I have not been refunded
8 years ago
Melkia Seals Wilmington, DE
I canceled my trial and the very next month my score.com illegally took money from my account and it's been 3 weeks and I still haven't received my refund yet... I call day after day and no one can get thee answer to when i will get my money back.. I will never deal with these people again and my financial institution is about to report the charges on my account as fraud since my trial was canceled at my discretion a month ahead of time... This company is disgusting and unprofessional as hell
8 years ago
Daniel Clayton Austin, TX
Wish I had read this review. I am a business professional, and I know the games organizations can play to manipulate customers... I think I just experienced them all trying to cancel... It took me 73 minutes of my work day to cancel... 2 hang ups "accidentally of course" 7 times repeating my basic information... 3 times transferred to the wrong place...
More than shady practices, institutionalized lack of ethics!!!
8 years ago
Jeff L Tracy, CA
They refused to issue me a refund when I called and cancelled the enrollment on the same day They gave a sketchy reason just telling me I wasn't eligible for one but no further explanation. The person I spoke too didn't even work for the company. I contacted my bank and disputed the charge. it's not the dollar charge but the fact they represented themselves fraudulently.
8 years ago
Tanja McCowan Miranda Phoenix, AZ
This is a shame. Myscore took my money but never did link me to my credit score. They use the same words, " I will push your refund through ". But you will never see a dime. I have called days and hours on end with no avail. They are a fraud. I am using every Internet connection to let people know how they take your money and never deliver a product. Fraud ,,thieves . DON'T use them.
8 years ago
Dominique Rosedale, MD
This company is full of frauds. I called to cancel my membership during the seven day free trial. Not only did this company lie and tell me that my subscription was cancel; they also charged me the following month for $29.95. I've been contacting them for over two weeks now to get a refund and I never talk to the same people. And I still have not been issued a refund. This company is a scam and the fact that the employees work from home is a red flag itself. I have not received my refund and I do not recommend anyone to use this service. Angry doesn't even describe what I'm feeling right now.
8 years ago
Taneikia Porter Jackson, MO
These people I believe are frauds. You call and cancel and they say they canceled it all but I still ended up getting charged. I called to get a refund and the customer service was horrible. I had to call 3 times to find out about my refund and they act like they didn't know what they were doing and I was on the phone with for almost an hour each time I called them. It was beyond ridiculous. So I just gave up on my refund so long as I still don't get charged on my account again. I would not recommend them at all!
8 years ago
Dana Kroeger Lithonia, GA
I wish I had read this review before I had signed up with them. I tried to call and cancel my membership. The first time I called it sent me to a survey about insurance and every time I answered the question it would ask me the same question again. Then I called again and the recording said sorry you have reached us after hours and just kept repeating that. This was at 9pm so I will be calling again tomorrow and if that don't work I will be deletingy credit card. One way or another I will keep my money.
8 years ago
Raul Miami, FL
-TERRIBLE CUSTOMER SERVICE!... DURING THE FREE 7 DAYS TRIAL YOU WON'T HAVE ACCESS TO THE 3 CREDIT BUREAUS (ONLY TRANSUNION WILL BE ACCESIBLE FREE OF CHARGE), THEN WHEN YOU REQUEST TO CANCEL SERVICES THAT TAKES 23 MINUTES TO ME WHILE THEM WERE ASKING A LOT OF QUESTIONS, PUTTING ME ON HOLD SEVERAL TIMES, AND PROCESSING MY REQUEST VERY SLOWLY... MY ADVISE TO YOU: -DON'T OPEN A MEMBERSHIP WITH MYSCORE.COM EVER! => -BELIEVE ME IF YOU WON'T WANT TO WASTE YOUR TIME!!! = NOW, I WILL BE PRAYING FOR MY CANCELLATION GOING THROUGH SUCCESSFULLY WITHOUT ANY CHARGES LIKE THEM PROMISED TO ME.
8 years ago
Lonnie Indianapolis, IN
It was definitely a hassle to cancel and took forever to do it. Not even sure if their call center is in the USA since no one can understand you. I'm not saying it was them but all of a sudden a fraudulent charge was tried on my debit card and glad it was blocked. They sound very shady and it was very noisy there and unprofessional almost like it was scam.
8 years ago
Chris Fairbanks, AK
I tried to cancel my membership. When I called I was immediately directed to a survey. I called a second time and I was put on hold for 20 mins. Then given a survey. So, I called a third time and sure enough, my account was not cancelled. When I asked to cancel it, the lady kept trying to sell me more things until I asked to speak to a supervisor, then it was cancelled within 2 mins. Customer service is horrible. Credit Karma is WAY better and doesn't cost me anything.
9 years ago
Tong Pham Westminster, CA
Myscore had charge monthly fee on my debit card. I refuse to pay. Reason : I used the service as advertise that is free in 7 days. I did cacel the service right away. My bank called me to let me know the charge. I have bank fraudulent protection. Stop charge the fee. I have only way to do "close my account"
This is a scam. Your service is really really BAD...
Tong Pham, PGI construction
9 years ago
