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ScoreSense

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197 User Reviews

8.8

Overall Score

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: 

  • Daily credit report monitoring
  • Multiple credit alerts 
  • Access to credit score updates via a mobile app
  • Up to $1 million in identity theft insurance
  • A variety of credit tools like a credit score simulator
  • Access to an online learning center 
  • Assistance from a dedicated credit specialist

Read on to learn more about ScoreSense’s credit monitoring services and to see verified customer reviews. 

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The Good

  • Reports and Scores from All 3 Credit Bureaus 
  • Daily Credit Monitoring and Alerts
  • $1 Million Identity Theft Insurance
  • Credit Insights
  • Credit Report Analysis
  • Credit Score Tracker
  • Credit Score Simulator
  • Mobile App

Reports and Scores from All 3 Credit Bureaus

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 and Alerts

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:

  • New credit inquiries
  • New accounts
  • Delinquent accounts
  • New bankruptcies
  • New public records
  • New addresses

Customers can receive these types of alerts through email and their online ScoreSense member portal.

$1 Million Identity Theft Insurance

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. 

Credit Insights

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.

Credit Report Analysis 

ScoreSense compares members’ TransUnion credit report, Equifax credit report, and Experian credit report to identify account discrepancies that may affect their credit scores.

Credit Score Tracker

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.

Credit Score Simulator

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.

Mobile App

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.

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The Bad

  • ScoreCast™ and ScoreTracker™
  • Consumer Complaints

ScoreCast™ and ScoreTracker™

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"):

  • Neither SC nor ST provide any guarantee of any specific scores but are only simulations to demonstrate how certain actions by you might affect your credit scores.
  • Neither SC nor ST provide any guarantee that any action by you will have any effect on your credit scores.
  • Both SC and ST show the possible effects of a single variable on your credit scores, whereas your actual credit scores are determined by factoring in multiple variables simultaneously.
  • Neither SC nor ST factor in the recalibration of scoring systems by the entities that create or use the scoring systems.
  • Neither SC nor ST factor in the effect of data discrepancies or changes that may occur to the data used to determine your actual credit scores, due to circumstances beyond your control.

Consumer Complaints

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. 

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The Bottom Line

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.

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Star Rating

3.6

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197 Reviews

Review Breakdown

5 grade

43%

4 grade

22%

3 grade

8%

2 grade

2%

1 grade

25%

Sentiment Criteria

Value

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Quality

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Service

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Therease Mcleroy Higgins, TX

I haven't checked my credit score in a while it's been a year I should know better I'm glad I did cuz there are things on there that I did not do and I need to find out who did them and where they came from cuz I live in Texas I do not go to Oklahoma City and get this money that's ruining my credit but you guys are great thank you

1 month ago

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lorendue Victorville, CA

I have a lot to learn and I want my credit score to reach 800. this company has a model website that helps you to navigate to various areas of concern about your credit. You are able to review you credit from the vantage point of Experian, Equifax and Trans-Union: you have the ability to utilize this portal to do all your repairs from here. The whole idea that you have everything in one place to start and review makes it easier so that you are consistent and in harmony with each of the three main credit reviewers. It also has credit monitoring and $1,000,000 policy for Identity theft. I highly recommend this site for someone who desires to take charge of their credit.

3 months ago

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Gordaa Maldonado San Bernardino, CA

So far I love score sense I was paying $14.99 with Experian app and it never showed me my credit score it always told me it was unavailable I decided to get a different app and score sense is the perfect app for my no problem at all and I’m able to see my credit score from 3

3 months ago

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Joseph Stines Pompano Beach, FL

Thankfully I was able to see my credit score and report so now I have to find out how to use the Automator so far its not only the fastest way but the easiest way to get all three of them so quickly

3 months ago

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David A Conner Sr Pittsburgh, PA

I like knowing what is what with my credit the truth and love the suggestion to help me improve my credit and keep my lifestyle great thank you

3 weeks ago

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Christopher Ravlin Harwinton, CT

Quick response with detailed explanation and details to the good and the aspects of my credit

3 weeks ago

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William Mcdonald Los Angeles, CA

Easy to sign up pay $1 get results for 7 days free. I appreciate the help will cancel before deadline

1 month ago

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Carol Greene Santee, CA

Ms Shirley, very helpful, working my way thru what I need to do. And be with my family right now. Thanks, very much for all your input ms Shirley. Fantastic!

3 months ago

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Gabriela Torres Jacksonville, FL

I was actually surprise with this program, I can honestly say I am VERY SATISFIED. I usually have a hard time whenever I try to see or pull my credit, but this time I can honestly say it was a fast & easy process. Thanks ❤️

3 months ago

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Elise Allyn Durham, NH

easy to use, but annoying that i cannot cancel from within my account. have to do it by calling or chatting.

2 weeks ago

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Aiar Ea Laurel, MS

The website was user friendly & the process was easy to complete.

3 weeks ago

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Dr Rhonda Yuvonne Gullette Dayton, OH

I was able to get all three scores in one easy location. I appreciate that.

3 weeks ago

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Mel Rod Hinesville, GA

Amazing how this site lays it out for you to understand YOUR SCORE and make it better! Thank you!

1 month ago

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Paula Hamlet, NC

I have been with score sense for over 10 years and my rate was locked in at $9.95 a month. I get alerts, education about my score, and all three credit scores along with all three credit reports. The only issue that I've ever had was my misunderstanding of my credit score vs. my FICO score because I was trying to apply for a car loan. I called Score Sense immediately and was given a thorough understanding of the difference. There is a lot to learn about your credit and I have to admit that I didn't know much at all. But I know enough now to know that credit monitoring through Score Sense was the best decision that I've ever made.

1 year ago

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shawn lyons ,

I used the app to check my credit..I unsubscribed right after I set it up..I notice I'm being billed and contact the company..they tell me that I unsubscribed from email and mail but not my account..so I cancel again and still get charged now I call again for the second time to get it fixed and they tell me it's justified billing..now who unsubscribes from email and mail but still wants your service..mind u they told me they can see that I never used the account but refuse to reimburse me mind you I had to call again because I can't receive emails from the cause I unsubscribed...THE WORST COMPANY pay attention they will charge you regardless if u unsubscribe or not..then they will fight you on giving your money back..don't get screwed like I did..STAY CLEAR of this app it is a big rip off and they will continue to bill you regardless..check your options before you use this app..you will regret it

5 months ago

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Michael Kindschi Madison, WI

When you print the report, the individual ratings aren't identified. Interesting???

1 month ago

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William Turner Gilbertsville, PA

My experience with"Score Sense" was genuine and pleasant. the agent" Geejay" was awesome as I felt every confidence in the world that she would be able to help out in my situation. I held positive vibes from beginning to end. If a person in whatever profession they're in gives you hope, then a person can feel better about himself and awake the next day with the sensation that life will be better and happier in the future.

1 year ago

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Trevor Vinyard Charlotte, NC

Great help out to get me information on whatvto do

1 month ago

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David Yancy Las Vegas, NV

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.

1 year ago

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jencenscore35 Lawrenceburg, IN

I can use just 1 company to check my accounts, where I was using 4 different companies to get my information. way to go Scoresense!! you made my life easier and I feel Safer today with you! plus they gave me a discount so I could afford to keep it!! Thank You, Score Sense

1 year ago

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Marvin L Herren jr Pompano Beach, FL

Hello, yes i did get my score and i will say that it was the easiest credit check site i have ever entered. Thank you for the easy access. I will use this site often, and will delete the other credit apps on my phone. Also, i appreciate allthe other imformation on the site. Thank you Marvin Herren.

1 year ago

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Winn Gillette Rancho Mirage, CA

I was pleasantly surprised at the three 3 credit bureau credit rating scores. ScoreSense was easy to access and comprehend. Everything was logically laid out and "up to date". I didn't have a printer near by, but that can be done later. No problem. It well worth the cost, as well as and the peace of mind that it provided.

1 year ago

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Layne Keller Camillus, NY

I fond too little information on my personal accounts, and I find no explanation of how the credit scores reported compare to the credit score reported to lenders and there is sometimes a significant difference.

4 months ago

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Janice Hill ,

Was great and very professional. I really enjoyed the help.I really enjoyed the working with the customer service.

4 months ago

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Walter Kummer Seymour, CT

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.

7 months ago

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Larry lewis Atlanta, GA

I haven’t heard or gotten anything from anyone but a $30 bill not sure what I need to do

2 weeks ago

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Damaris Vega Cotto

It is 🙂. Fine. Fast. But I found some mistakes

1 month ago

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Judith A Raymer Indianapolis, IN

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!

1 year ago

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Jo Ann C Russo New Hyde Park, NY

I am very pleased my ScoreSense Also last evening Pedro walked me through the Programs and explained everything. He answered all my questions I had . Great ! Thank You JoAnn

1 year ago

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Alfred Hubbard Mendenhall, MS

Transunion Score: 599, Equifax Score: 602, Experian: 524 I was curious to know my credit situation and how it works. I'm more informed, but still don't understand the full process of the credit system.

1 year ago

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DeAnn Ogunyewo Houston, TX

I like the ease of use of the site. It made me comfortable to pull my own report without the assistant of a professional financial person. I will definitely recommend scoresense to people I know.

1 year ago

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Jane Dallas, TX

Product and service was really helpful as I applied for a mortgage. Made conversation with mortgage broker very easy, and complete access to my credit history gave me confidence and reassurance.

1 year ago

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kayla williams Adelanto, CA

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.

1 year ago

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Dean Hutchins Beaverton, OR

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.

1 year ago

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Carl Hanson Salina, KS

I had a very good experience with ScoreSense. I really liked getting my credit scores so quickly. I would definitely recommend ScoreSense to others .

1 year ago

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Mike Hargrave Sumter, SC

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.

1 year ago

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Jamie Marsh Phoenix, AZ

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

1 year ago

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Tracy Collins Martinez, CA

Great customer service! They respond in a very timely manner and are always there to help you. The ScoreSense platform is very user friendly and easy to understand.

1 year ago

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Joe Danner Minneapolis, MN

It was very simple to follow and in a matter of 10-15 min. I had 3 different scores from 3 major credit sites all showing the same accurate findings. Thank you

1 year ago

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Dianna Boyette North Hollywood, CA

I was able to see all three reports instantly. Only con, after a few days I can't log back in. it keeps saying error. and contact customer service... but haven't had time yet. Not sure why I have to contact customer service? I know my password and log in, I wrote down. and I was able to access first day a few times no problem

1 year ago

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Lisa Griggs Berryville, AR

Easy to navigate. I like that I have access to the creditors and was able to pay off a few of my outstanding collections and pay down on some others.

1 year ago

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Anthony Palermo Dallas, TX

So far so good! A little pricey and no annual subscription options makes it hard to keep the monthly subscription going permanently. I deducted 1 star because of those things.

1 year ago

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Alfred

No one really can explain the formulas and methodology for the credit score calculations That is disturbing. I had to make some corrections to places where I've lived. No one could explain how those incorrect addresses for on my credit reports. This makes me wonder about the accuracy of the entire process. You get general statements but nothing specific so it is really a water of time and the reports are meaningless. I made one phone call to one of the bureaus and got no specifics so I have no idea what specifically is lowering or raising my score.

1 year ago

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LJ Minneapolis, MN

I did the trial for 1 day. I was not able to get all 3 reports (only 2). If I wanted to get the 3rd I had to pay $39.99 directly on the 3rd credit reports website. I can get the same 2 reports and scores on a free site. Also you can't file a dispute without having to use on of the "specialist'' that want to talk you into purchasing another kind of package. I can dispute online free of charge with a free site. Why would I pay for a service that I already get for free. If this site included access to all 3 credit bureaus it might be worth it, but it don't. It's a waste of money all the way around. Not even worth the $1 trial period.

1 year ago

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Kelly R Liverpool, NY

I am disappointed with ScoreSense. I tried them for 7 days because I was applying for an auto loan online & it requested that I sign up with ScoreSense; so I did. then when I was checking my bank account; I seen that they were taking the $29.95 fee out; I called immediately to cancel. Due to when my bank posts things; I was cancelling on day 8. As the 1st rep was explaining to me that he would cancel for me; I was trying to ask about a refund, when the line went dead silent. I called back & explained to the 2nd rep whom I was talking to and that the 1st rep cancelled my account, but I needed to know about a refund. The 2nd rep informed me the account was cancelled; yes sir I was already aware of this. I want to know if there will be a refund or at least a refund request. Finally the 2nd rep stated he would put in the request & I would hear something within 1-2 business days. Not even 24hrs later; I received email from ScoreSense that they will not be refunding the $29.95. Well, I have nothing to show for the $29.95 except a bad taste for ScoreSense. I will not be referring anyone I know to this company. Thank You ScoreSense for the lack of understanding, compassion or good customer service.

1 year ago

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Angel Mocksville, NC

I signed up for a free trial, it was a process that went along with a house hunting website. I regret even signing up as I did not need their services but there was no way around it. I canceled my account and they still billed me $29.95. I requested a refund in writing. It took 7 months for them to refund me $1 and email me to let me know they would not refund the $29.95 because they believed I used $29.95 worth of their information. I absolutely do not recommend even trying the free trial. It is a scam to charge you and with no intention on refunding you. You can get all the information they provide and more from credit Karma and it’s free!

1 year ago

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Don Saddle Brook, NJ

Do not do business with this company! I took them up on their 7 day $1.00 trial offer, at the end of seven days I called to cancel per the terms and conditions. Turns out that was on a Sunday and they were closed so I called the next day and discovered they charged my card the $19.95 monthly fee anyway. I called to let them know that the since I couldn't reach them on Sunday they should not have charged my card. They agreed to refund my $19.95 and here I am five days later still waiting. I called my bank and filed a fraud complaint against them. This company is unethical and should be avoided at all costs!

2 years ago

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Ketta McLain Catawba, NC

Score sense is a complete rip off I cancelled months ago an just found out that they have still been charging me the lady tells me to hold go come back to offer me a better deal knowing that they was wrong in the beginning to continually charging me then places me on hold again to come back an say well we offer fraud protection an keep your account an other information safe I again tell her NO I WANT TO CANCEL IT SHOULD’V Been canceled to be placed back on hold again to come back an say no I’m not going to reimburse you because your account was signed in on a week later after I canceled r u freaking kidding me lies lies lies I never signed back on to the account after it was canceled do not do business with these stealing folks BE AWARE AN STAY AWAY!!!!!

2 years ago

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Gary Hilgar Morgantown, WV

I applied for a loan (that I did not get) and the lending company was in bed with Score Sense. There was a required credit check through Score Sense to apply for the loan. I cannot remember what my initial fee was, although it was less than the $39.95 that some have experienced. My biggest problem is they make it nearly impossible to cancel. Email cancellations are not accepted. I have called several times, and while the customer service people are polite they appear to be trained to launch into a lengthy filibuster and talk in circles until you give up. I have managed to get my monthly fee reduced twice, but would really like to be free from this. There is a section in the Terms and Conditions that gives an address and outlines how to cancel in writing - I am trying that now. I will return with an update as to how that worked. Meanwhile, if you are not yet a Score Sense subscriber, STAY AWAY!

2 years ago

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Jim Brooklyn, NY

What part of "I wish to cancel my account" don't they understand? This is 2017. When a customer says those words, it doesn't mean "Sure, I'll defer my first month's payment and keep my account open", or "Yes, I'll keep my account open for a reduced monthly fee". I was on the phone with a very annoying rep for more than 15 minutes trying to accomplish this simple task. What's more, unknowingly, I was sucked into a monthly fee which showed up on my credit card statement. I asked to have this fee waived, since I was clearly not using their service, but was flatly denied. Bottom line: ScoreSense was trying to embezzle money out of me any way they could. Avoid this scam-fest like the plague.

3 years ago

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