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.
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.
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.
It was great and straight to the point 👍🏾
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
I like the option to see how different changes Will effect your score
It was good. I got the information I needed thank you.
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.
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
The site is very user friendly! So anxious to start rebuilding my credit!
Easy to navigate. I don't really know what else to say
I had an owner try and lie about what my score was and you all saved me. Thank you so much♡
Was easily able to navigate the website!
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.
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.
Process was quick and simple. Thanks !!
The service was quick and inexpensive. I just hope Accurate!!
Don't really tell me anything all the stuff on there no names on accounts closed but still there
nice. company lining as customer service
I don't want a monthly subscription that I have to pay for. The info was received very quickly and efficiently.
Information was informative and helpful to me
Easy to read. Will use in the future. Thanks
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.
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
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!
It gave accurate information. I was pleased with the credit options available
It was simple and easy to use. No hassles
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
Everything went smoothly. Got my scores without any hassle. Thanks.
It was simple quick and very easy to use and understand
I have been on several platforms and ScoreSense seems to be the easiest to navigate and understand.
Great service, offers complete information
Readily available credit scores. Able to build good credit.
The best thing I like about two services you give all three credit reports at the same time.
It’s ok. Fast and easy. Able to get all things needed
It was very helpful, very simple and broke it down
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.
I needed my scores to apply for a loan. ScoreSense delivered my scores quickly. Thank you.
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.
I had a very good experience with ScoreSense. I really liked getting my credit scores so quickly. I would definitely recommend ScoreSense to others .
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,
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.
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.
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.
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
I like how fast I was able to see my score
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
Interface was easy to use nice and detailed, I like the fact there's plenty of information to help you to fix your credit.