Our MyScore.com Review in a Nutshell
While MyScore.com offers basic credit report monitoring services (fulfilled by CSIdentity and TransUnion), we do not recommend them because we found it impossible to cancel a trial membership with their service once we enrolled. Additionally, they sell customer information to their partners and give users no way to opt out of this. MyScore is operated by a mysterious company called Golden Scores, LLC, which is owned by an even more mysterious company (Linson & Associates, Inc) that nobody seems to know much about. We consider it a potential red flag when companies go to such lengths to hide their owners from the public.

 

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
#22
myscore-thumbnail
$29.95
3/3
4.5

The Good

All 3 Credit Reports, Updated Monthly

MyScore.com’s services are all white-labeled, which means they are simply reselling services from other companies. In this case MyScore’s credit reporting features are provided by CSIdentity and TransUnion, which means that the credit reports are real, complete, and can be refreshed monthly. If a user wants to look at their reports more often than that, they can purchase another 3 credit reports for $24.95.

The Bad

Serious Problems Canceling

Our review team signed up with MyScore’s “free trial” in order to check out the service, MyScore claims, after all, that you can cancel within the first 7 days and you won’t be charged anything beyond the $1.00 processing fee. Because of the company’s reputation, we used a virtual credit card to do so, and we’re really glad we did.

After performing a basic review of the service, I called in to cancel the trial. After nearly two minutes on hold, I was on the line with someone claiming to be “Linda” who didn’t speak english well at all, sounded very Indian. Even though I had my customer ID number, Linda still insisted on trying to look up my phone number, then my name, then my credit card number before finding my account. It is worth noting that, even though I told her to hold on for a minute while I got the (virtual) credit card number, I had to constantly tell her I was still on the line as she kept looking for reasons to hang up on me.

MyScore Customer Service Fail

This process took a frustrating seven and a half minutes. Once she had my account pulled up, she asked what I was calling for, I told her I wanted to cancel the trial. She then asked if I was aware of the benefits I was giving up by canceling. I assured her that I was aware.

At this point, without warning, I was abruptly transferred without explanation to a different call center, I didn’t catch the name, but it sounded like CSIdentity. I was connected with a different (thankfully native english speaking) gentleman, who asked what I needed. Confused, I explained that I was trying to cancel my account with MyScore.com. He informed me he couldn’t help and transferred me again.

I was then put on hold for another 20 minutes, before giving up. I canceled the virtual card, grateful I’d chosen not to give MyScore.com my actual credit card information, because canceling the service seems to be impossible in our experience.

We recommend keeping the above experiences in mind before providing MyScore.com with your credit card number.


Shady Billing Policy

Buried in the terms and conditions, we found the following nugget of nastiness, which looks like it was literally copied and pasted in at a later date (emphasis mine)

At the end of your 7 day trial the Membership Fee is automatically billed to the credit or debit card authorized by You, in accordance with the then-current payment terms for the current membership term. Credit and Identity protection monitoring services are only active when your account is in good standing. if applicable, in the event that your billing source cannot process the Membership Fee and is no longer good standing due to insufficient available credit or funds, we may, at our discretion, divide the total Membership Fee into incremental charges in order to process the total Membership Fee and keep monitoring enabled . We are not responsible for any overdraft/over-the-limit charges or bank fees if your account contains insufficient funds when Your order is processed and billed.

In other words, even if you don’t have the money in your account, MyScore.com claims the right to continue trying to bill your card over and over again, day after day, week after week, until they have your money. All charges will show up on your credit card statement as GLD MYSCORE.


Lack of Transparency

Given the above experience, it should come as absolutely no surprise that MyScore.com isn’t exactly forthcoming about a lot of information.

Non-FICO Scores

MyScore doesn’t actually give you useful credit scores. They don’t disclose, anywhere, not even in their Terms & Conditions, which credit score model they use, but as we compared the results to our other scores, they definitely weren’t FICO.

Given that the reports come from TransUnion, we suspect that they’re using the TransRisk score, which, as we’ve iterated elsewhere, is not a useful score for determining how creditworthy you actually are, as the TransRisk score can skew by as much as 70-100 points from what your lender will actually see when evaluating your credit.

Unclear Pricing and Subscription Level

MyScore’s website makes reference to three different subscription levels. We’re not sure why, because the trial automatically enrolls you in the highest tier of service, there’s no way to have the less expensive options.


MyScore will Sell Your Personal Information, No Opt Out

In addition to making money off of monthly customer subscriptions, MyScore.com reserves the right to sell and trade the personal information of its users. When examining the Privacy Policy, under “Collection/Use of Information” you’ll find…

We may use the information you provide to us to contact you for reasons related to your original communication to us, and we may also share your information with third party marketing partners so they may offer you products and services that you may find of interest.

You may be contacted via telephone and/or email regarding any product that MyScore.com or Partners and/or Affiliates, or other Third Party Marketers may market from time to time.

Now list sharing (unfortunately) isn’t all that uncommon, except there’s no link in the Privacy Policy to opt out of these communications or having your data shared, which is much more troubling.

The other tricky thing our review team didn’t like was how, on the sign up form, they ask for your phone number, then in the fine print, say something to the effect of “By entering your phone number, you consent to get phone calls from <long list of companies>“. Major Red Flag.

MyScore Telemarketers


Underwhelming Education Center, Questionable Advice

The Education Center provided by MyScore.com is very underwhelming, if not outright horrible; it has six articles that are chock full of typos and questionable advice like this gem:

Consider consolidate bills with a balance transfer to another credit card with a lower interest rate. You may also consider eliminating three some of the credit card accounts…

Additionally, we noticed that the specific recommendations for improving your credit score on the main dashboard included applying for more “premium bankcards”. Although we won’t outright claim this is a lie, we will say that we have never heard of the presence or absence of “premium bankcards” being a major factor in credit scoring, and would generally advise against applying for them without good reason.


My-Rewards Seems Scammy

We won’t go into too much detail with this one, except to mention that the discount program seems to be powered by the Affinion Group, which got hit with a $30 million lawsuit back in 2013 for being misleading and deceptive. Also, they are literally paying people to leave positive reviews on websites, which is a questionable activity that is generally frowned upon by most reputable online review sources, including the one you are currently reading.

The Bottom Line

There is little to this company’s offering that justifies a $30 per month price tag, especially given the widely-reported (and personally verified) difficulty in canceling their service once signed up. We feel that you can get comparable, if not superior, monitoring from other companies featured on our site. As always, we recommend doing your own research, but we do not recommend MyScore.com.

Price Range

MyScore.com is semi-transparent at best as far as their plans and their price structure.  Our review team received conflicting prices and information from the website and from representatives of MyScore.com.  As such, only information which was confirmed both online and through representatives is reported, which is a monthly fee of $29.95, which is billed monthly beginning on the 8th day after the free trial.

Trial Details

MyScore.com offers a free 7-Day trial with full access to all three credit reports and the scores from the major credit reporting bureaus for the full duration of the trial.  There are several complaints which have been filed by customers about MyScore.com charging during the trial, usually $1.

Scores & Reports Provided

MyScore.com offers their customers scores and reports from TransUnion, Equifax and Experian.

Error Dispute

MyScore.com does not offer tools for members to dispute errors on their credit reports.  The extent to which they help their customers in this instance is by providing the addresses and instructions on how to contact the credit bureaus to report these errors.

Monitoring

MyScore.com offers daily monitoring and alerts are sent via email for any change in one’s credit score or information is added to their credit reports.  All alerts are sent within 24 hours of the change.

Customers report that they were not alerted by MyScore.com in several independent reports however.

Credit Score and Report Refreshes

There is some level of discrepancy on the frequency of credit score and refreshes offered by MyScore.com.  This lies in that the site states that daily refreshes are available, but customers complain that their scores are not refreshed regularly at all.  Our review team was unable to receive definitive information from the company to clarify the apparent discrepancy in the frequency of refreshes of reports and scores.

Data Security

MyScore.com offers 128-bit SSL (secure sockets layer) technology for their site and the storage of their customers’ data to ensure that all personal data is secure.

Identity Theft Protection

MyScore.com doesn’t offer their customers identity theft protection services, but does offer free credit fraud consultation services.  These services can be helpful in the very early stages of realizing that there has been fraudulent activity on one’s credit report, but for more advanced help, one is better going to a specialized company.

Alert Options

MyScore.com gives their customers unlimited email alerts for “key changes” on their reports.  These alerts are only available via email and are delivered within 24 hours of any changes being detected on any of the customer’s three credit bureau files.  While other companies have text or phone alerts, MyScore.com does not currently offer these options to their customers.

Time in Business

MyScore.com was created by Golden Scores, LLC in 2013. 

Contact Information

Golden Scores, LLC/MyScore.com

633 Chestnut Street,

Suite 600

Chattanooga, TN 37450

(855) 331-9531

Are there any inaccuracies in this review? We take our accuracy very seriously and would love your feedback. Give feedback here.

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83 MyScore.com Reviews

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  1. User Score

    0

    December 2nd, 2016

    One of the customer service representatives that was “helping to insure my refund” would be processed since I canceled my subscription within the 7 day free trial, actually stole my debit card information and used it fraudulently

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  2. User Score

    4

    November 1st, 2016 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

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    1

  3. User Score

    0

    October 26th, 2016

    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.

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  4. User Score

    0

    October 25th, 2016

    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.

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  5. User Score

    0

    October 23rd, 2016 Georgetown, TX

    Just wanna point out they tried offering me 6 different offers, all the same package just lowed a few dollars when I said “I just want to cancel my membership.”

    DO NOT USE THEM

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  6. User Score

    0

    October 12th, 2016

    I had a very hard time canceling. They don’t return emails. I couldn’t even pull up my report.When I finally did get to cancel I was told I would get a refund in 3-5 days. Over month later and no full refund that was granted to me. Instead I was told it was “under review” . That was never told to me in the beginning. Bad company full of liars

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  7. User Score

    0

    October 5th, 2016 Fort Worth, TX

    These folks are liars, crooks and if they dont refund my money I will report them to the Attorney General.

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  8. User Score

    0

    September 28th, 2016 Pasadena, CA

    I just experienced each of the negative items referenced and can tell you that the terrible VOIP phone lines and the call center folks define terrible service for a terrible service. Beware!

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  9. User Score

    0

    September 19th, 2016 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

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    3 2

  10. User Score

    0

    September 15th, 2016 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

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  11. User Score

    0

    September 13th, 2016 Baltimore, MD

    Account was cancelled. 6 months later they billed my credit card again and refused to refund money even though they stated we see you cancelled your account months ag. Scam artisits.

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  12. User Score

    0

    September 7th, 2016 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!!!

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  13. User Score

    0

    August 30th, 2016

    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.

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    1

  14. User Score

    0

    August 21st, 2016 Mountain Home, AR

    I have tried numerous times to cancel my account due to the fact that I no longer need their services & they say they can’t find my account in no way shape or form. I said it’s so strange that y’all can’t find my account to cancel it but you can find it to charge it not only once a month but twice. I am very upset with My Score.

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    2

  15. User Score

    0

    August 20th, 2016 Charlotte, NC

    I wish I would have read the reviews before I did the trial terrible just terrible now I’m out of49 dollars keep getting hung up on finally got it cancelled but might have to cancel my card very disappointed

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    4

  16. User Score

    0

    August 3rd, 2016 Des Moines, IA

    I thought I was signing up to look at foreclosure homes and instead MyScore charged my credit card $29.95 for something I didn’t need. I have called and canceled (which they did) but would not credit my account with the $29.95. I have called them 5 times but with no luck.

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  17. User Score

    0

    August 1st, 2016 Los Angeles, CA

    There is a way to cancel: threaten… well really do and then tell them that you have initiated fraud proceedings with your bank/credit card company against them and that said bank/company have been instructed to put stop payment orders on every charge made by them. That’s how I got out (and it might have been the only way…), at least.

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    2

  18. User Score

    0

    July 23rd, 2016 Palm Bay, FL

    My bank account was charged by this outfit called and cancelled but taking no chances the deduction was pending signed paperwork at bank got my money back but at same time cancelled the card and received a new one did a lot of research on this company and they are well hidden looks like scammers

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    4

  19. User Score

    0

    July 23rd, 2016 Greensboro, NC

    There is no way to cancel service and no one answers customer service number

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    2

  20. User Score

    0

    July 17th, 2016 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.

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    2