MyScore.com works 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 educates its members about today’s complex credit industry and empowers them to make smarter financial decisions.
- Free trial
- Triple-bureau reporting
- Daily refresh rate
- Identity theft protection
MyScore.com offers consumers a free seven-day trial of its services. During the trial period, members can take advantage of triple-bureau credit reports, email alerts, a credit fraud consultation, and the MyRewards program.
MyScore.com provides 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 score.
Daily Refresh Rate
MyScore.com refreshes credit scores and reports on a daily basis, so customers can get an accurate look at their credit in real time.
Identity Theft Protection
MyScore.com offers identity theft protection services, including 24/7 credit monitoring, to protect its customers from fraud.
- Undisclosed scoring model
- 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 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.
After the trial period, MyScore.com charges $29.95 per month for its services, which is relatively expensive when compared to price charged by several other top credit monitoring companies.