ScoreSense aims to empower people with credit insights, tools, and personal support to make better-informed decisions about their financial lives. The company knows that having your credit scores is important, but understanding what’s behind them is critical.
With ScoreSense credit monitoring services, customers can obtain the following and more:
Read on to learn more about ScoreSense’s credit monitoring services and to see verified customer reviews.
ScoreSense offers solid credit report coverage by providing customers with full access to their credit reports and their VantageScore credit scores from all three major credit bureaus — Transunion, Equifax, and Experian.
Members can simply log into the company’s mobile app or website to refresh their credit information every month.
Daily Credit Monitoring alerts consumers to catch any suspicious activity that may pose a threat to their credit and overall identity.
According to the company’s corporate website, ScoreSense can send alerts related to the following:
Customers can receive these types of alerts through email and their online ScoreSense member portal.
ScoreSense members are eligible for up to $1 million identity theft insurance to cover the costs related to fraud recovery.
This coverage provides financial reimbursement for documented, out-of-pocket identity restoration costs, legal defense expenses, and lost wages.
ScoreSense analyzes members’ latest credit data to help them understand their credit scores.
ScoreSense acknowledges that not all lenders use the same credit bureau to check consumers’ credit — and consumers’ scores may not all be the same.
ScoreSense shows members which factors are most affecting each of their credit scores, so consumers know where they stand no matter which bureau lenders use.
ScoreSense compares members’ TransUnion credit report, Equifax credit report, and Experian credit report to identify account discrepancies that may affect their credit scores.
Consumers’ scores change as new information is added to their reports. In today’s world, it’s critical to stay informed.
ScoreSense has a feature that plots members’ current scores and tracks their score progress month to month and provides details about what most affects your scores.
In addition to CreditSense and an extensive library of educational financial and credit articles, ScoreSense provides members with a credit score simulator tool.
This credit score simulator tool allows members to see how different actions, such as opening a new account or paying off a credit card, might affect their estimated credit score.
The ScoreSense App is available in both the Apple (iPhone and iPad) and Android app stores.
It provides users with access to all three credit scores and reports on the go, provides users with score tracking over time and credit insights, allows users to set credit goals, and more.
If consumers read ScoreSense's terms and conditions, they will learn that the credit scores provided to them via ScoreCast and ScoreTracker are not FICO scores.
This is extremely important to note because the FICO scoring model is taken into consideration by the majority of lenders.
Additionally, consumers should know that signing up with ScoreSense means they "acknowledge and agree to all of the following regarding ScoreCast ("SC") and ScoreTracker ("ST"):
When it comes to ScoreSense's products and services, the majority of reviews are positive. However, there are a some customers had issues with automatic billing and canceling accounts.
Automatic billing
Many people sign up for ScoreSense's 7-day free trial. However, after the trial is over, customers are automatically billed the monthly fee of $29.95.
This automatic billing has caught many customers off-guard and resulted in consumers paying monthly fees for a service they were no longer using.
Canceling accounts
Unfortunately, some customers had an unpleasant experience when trying to cancel their ScoreSense trial or subscription.
Several of the reviews state that when calling to cancel, they were pressured into continuing their service (even after they said they didn't want to) or told their service was discontinued but were then still charged (and never received a refund).
The only way to cancel is by calling the company at the toll-free number that appears on the site. Additionally, consumers can only call during the company's hours:
Monday–Friday, 8:00 a.m. to 8:00 p.m. (CST)
Saturday, 8:00 a.m. to 5:00 p.m. (CST)
Sunday, 12:00 p.m. to 6:00 p.m. (CST)
If you do not have a phone, you can cancel via online chat or by writing to ScoreSense. You cannot cancel via email, and ScoreSense does not provide prorated refunds. Those with Basic Products can simply cancel through their member portal.
ScoreSense is a fantastic resource if you're looking to monitor or improve your credit score. With ScoreSense, you get monthly reports from all three major credit bureaus and a plethora of credit-building tools. These tools are not only useful for understanding your current score but how your future actions will impact your report and score.
ScoreSense's ScoreCast tool is an excellent feature as it allows you to see what would happen if you miss a payment or take out a new loan. The ScoreTracker enables you to track your monthly progress — making it easier to reach your credit goals.
Additionally ScoreSense customers can receive up to $1 million in identity theft insurance, access to a dedicated credit specialist, the ability to access updates via a mobile app and online portal, and more.
ScoreSense also offers a free 7-day trial, where you can test out everything before committing to a subscription. However, if you plan on canceling, be sure to do it within the trial time frame to avoid paying the monthly fee.
Interested parties can contact the company, sign up for a free trial, and read several ScoreSense reviews to get a better grasp of what ScoreSense has to offer in terms of credit monitoring services.
Star Rating
162 Reviews
Review Breakdown
Sentiment Criteria
Walter Kummer
I never received any reports about my credit. I called and tried to cancel my account. After trying to get me to choose a product at a lower price, the first representative hung up on me. That person hung up on me. After a minimal time trying to sell me another product, I called back and got a Rep. that actually canceled my account.
Jrcooper290
It was great and straight to the point 👍🏾
Atora Guyton
Never received my credit but my credit card was charged 19.95. I thought I cancelled my order if it didn't go threw than you please cancel my order for me. Thanks
Amanda Bribiesca
I like the option to see how different changes Will effect your score
david
It was good. I got the information I needed thank you.
Jacquelyn Jackson
The score provided for the 3 agencies were not accurate. I was directed to the credit health tab applied for a loan which i was prompted as having good results for approval. I was denied by the company as they stated my credit score was 100 points less than what you showed you showed 656 for Transunion they 556. I was very disappointed. Before i cancel i will follow up with Transunion for an explanation. Not a paying customer as i wanted to compare your co. with the free companies. I need to know what I'm paying for.
Ablinds
Very easy to use. Site is very user friendly
Lauren La Magna
Quick and easy -- this made it very clear of what my 3 scores are and the breakdown
Mcc.1977
The site is very user friendly! So anxious to start rebuilding my credit!
Tiffany Hoeppner
Easy to navigate. I don't really know what else to say
Daniele Brown
I had an owner try and lie about what my score was and you all saved me. Thank you so much♡
Audrey Ellis
Was easily able to navigate the website!
Gail Vinyard
So far it has been a good experience.I was able to log on with no problem and get my score quickly. I would recommend this site to my friends.
Venita Sparrow
Thanks for the information, there are a few things I need to follow up on. Also will there be reimbursement of my one dollar back to my account? Thought it was free.
R.L. Morris
Process was quick and simple. Thanks !!
Fred
The service was quick and inexpensive. I just hope Accurate!!
Dionna Leonard
Don't really tell me anything all the stuff on there no names on accounts closed but still there
Andrea Davis
nice. company lining as customer service
Judith Hull
I don't want a monthly subscription that I have to pay for. The info was received very quickly and efficiently.
Michael Salandy
Information was informative and helpful to me
carole lomax
Easy to read. Will use in the future. Thanks
David Yancy
My experience so far has been positive. I received my credit reports and I am reviewing them now. Once I have finalized my review, I will begin using the materials and other outlets ScoreSense has provided to correct any negative reporting.
Gregory Roberson
It was convenient to get the three reporting agencies at the same time, thus saving time. I didn't have any dislikes. Keep up the good work.
Elizabeth A Robinson
It was quick and accurate.. Had some important information.. Thanks
Joe Freeze
A nice and easy piece of software to use and understand
Bobby R. Gay
It not only gave me my credit reports, but the credit scores were included, too!
tysha reed
It gave accurate information. I was pleased with the credit options available
Terry Smith
It was simple and easy to use. No hassles
Samantha Rykal
They are able to look for credit cards that you may want to apply for today to help you with your financial planning and scores
PSCHINEL
Everything went smoothly. Got my scores without any hassle. Thanks.
Mary Kennemur
It was simple quick and very easy to use and understand
DeDe McGraw
I have been on several platforms and ScoreSense seems to be the easiest to navigate and understand.
Julia McLain
Great service, offers complete information
Margaret McGuinn
Readily available credit scores. Able to build good credit.
Preston Williams
The best thing I like about two services you give all three credit reports at the same time.
Tammy Nord
It’s ok. Fast and easy. Able to get all things needed
Muriel Lee
It was very helpful, very simple and broke it down
kayla williams
I don’t like the cost I do like that it has all 3 credit scores. Wish some things gave better details. Like when the actual account was opened before collections.
David
I needed my scores to apply for a loan. ScoreSense delivered my scores quickly. Thank you.
Dean Hutchins
The sight provides what is promised. My only "con" is that the way I came in it took me a long time to find out the actual product I was being offered, and what it would cost.
Carl Hanson
I had a very good experience with ScoreSense. I really liked getting my credit scores so quickly. I would definitely recommend ScoreSense to others .
Amy Fisher
I expected to a free credit report, so did not expect to have to open an account. I got what I wanted, so would like to cancel this account at this time,
Darrel Parham-Watson
Ease of enrollment and use. Was surprised to see my credit scores were almost the same.
Judith A Raymer
I was surprised my scores were that high since I haven't had any bills for a while. I paid off everything 3 or 4 years ago. My husband died in 2015 & I knew I had to watch what I bought. I'm not complaining!
Alphonso Capers Jr
I am trying understand why I am paying for this service that I can get for free.
Mike Hargrave
Thank you for the free credit report. Just to let you know that Equifax wasn't up to date. I was late on a bill and it brought me from 829 down to 677. After I paid the bill, it only went back to 765.
China Doll
It was able to bring up something I didn't know I had on my record and I am able to fight what's on it because it shouldn't be. Thank You for that.
Michael Rodgers
NOW I GET 50 SPAM emails daily Checking in on Mortgage Rates and was directed to this site to check credit score. That was my 1st Mistake Immediately contacted them to cancel They billed me anyways In the meantime I began getting dozens of Spam and Junk emails Had to call a 2nd time to cancel - they just kept trying to sell me I kept asking about Spam emails - she didn't answer the question just kept moving on her script to sell me
Adrianne Simoneaux
I like how fast I was able to see my score
Jamie Marsh
Very informative way of providing you of your current credit status and instructive direction on how to improve your credit score with many resources that are available to assist you with your credit goals