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ScoreSense

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8.9

Overall Score

LAST UPDATED: July 17th, 2024

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

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4.3

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344 Reviews

Review Breakdown

5 grade

51%

4 grade

20%

3 grade

8%

2 grade

3%

1 grade

18%

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Remy

"Kudos to Score Scene Services for their outstanding assistance! Their team was incredibly responsive, professional, and went above and beyond to ensure my satisfaction. I'm thoroughly impressed with their attention to detail and commitment to excellence."

3 months ago

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Charli Peaden

Product and Features are as expected. So far so good. Will update my review once I put more time in using the product.

2 weeks ago

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Samantha Eldridge Lewisville, TX

Got my credit report but in disbelief because I had ran my report a year ago and it had way more on it but now it doesn't, just seems hard to believe. It was pretty easy to get just the price to keep after the trial seems a lot to me but that could be just me.

6 months 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.

4 years ago

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Stephanie Rhodes

It was okay I guess not an easy app to un

4 days ago

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Vivian Da Silva Los Angeles, CA

This company is definitely a part of an elaborate apartment scam. See the other reviews (BBB/yelp). I wish I’d read further into these before I caved and did the process. Basically, I answered an ad on CL, the “apartment rep” contacted me. I was made to get a credit score from the LEGITIMATE TransUnion site, they asked a generic question about my lifestyle (“Will you be living alone or with someone else?”), I answered (living alone), and they sent a SECOND email, making me sign up for this (very obviously) scam site. I argued and begged to use another site (Credit Karma) because this is so obviously a scam, compared to the legitimate site. I finally capitulated because I was foolishly holding out hope that I would secure this apartment. While it did produce the same results as a legitimate credit-score site, it also took my credit card AND SS info, processing what I assume to be the monthly fee. I immediately cancelled the subscription and will be keeping the receipts, while I monitor my credit score and identity info.

5 months ago

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Ilspbeth Bruce

this is a great site to use if you are looking to buy a home. we hope to purchase soon so we really needed to know what are credit scores were from all three credit bureaus so instead of looking at each one seperately we used scoresense. gives soo much great information on how and why things are reported and how you can change them if they are inaccurate. i have passed this information on to my family and friends too.

1 year ago Edited May 1, 2023

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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 years ago Edited September 14, 2021

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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.

4 years ago

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Mary Ewell Milton, DE

The format was easy to follow, and it appeared to be accurate in the reporting. I expected to see old accounts that were closed years ago, but they have apparently been deleted from our files. I did a report for myself and my husband, and we were satisfied with the results. Thank you.

1 year ago

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Lisa Fox Summerville, SC

They were very easy to sign up with your visa sign up with the website was very easy to read. The website was very easy to read. I won’t miss the dollar cost me for the trial. I need to remember to unsubscribe before seven days are over.

1 year ago

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ScoreSense Waxahachie, TX

All of the personnel whom I spoke with were professional, friendly and helpful. I felt very comfortable talking about my financial situation and the riches to rags games we play. I am pleased to be a customer of ScoreSense and I look forward to a brighter tomorrow.

1 year ago

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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

3 years 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 years 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.

4 years 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

4 years 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.

4 years 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.

4 years ago

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Cheeter Karnas Montclair, NJ

I received my report and there were many discrepancies on both Score Sence and on things from reporting Agencies that were Inaccurate. One, Bank of America, the amount is only around 2000$ or Less, , all Both Proceed finance, loans were paid off in 16 months, I had 48 months to pay it off but loans are closed do to full payments, you showed 3 priced account that were correct at first in December of 2019, there mistake there were only 2 account’s, one was canceled do to changing my mind to do a full procedure. There was one small collection, for less then 200 dollars with a hospital, CMRE, I was in for a heart attack, got out, made two payments and was back in a mouth and a half lxAter with bad Pneumonia sickness , missed one payment and went right into collections and payed balance off Immediately!!!! It was less then 88$ by then. On my Credit Cards, I like to pay them off ASAP, but realized I Was not getting my true rewards so on my PNC, Card I leave the balance until I get my bill then pay them to get my rewards!!!! I noticed this issue when my rewards were not going up and was told I pay them to soon so wait until I receive my statement before paining them!!!! And I have a total of 7 open credit card accounts, I’m not sure if that’s the same you have?????Thank You Sincerely Chester A K Jr.

2 years ago

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Mildred Santamaria Calabash, NC

Franco was my customer representative and he was extremely helpful and friendly. Answered all my questions without any hesitation.

6 months ago

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Dr. T Kea‘au, HI

Apparently this company continues to use it's tried and true methods for tricking customers into signing up for $30.00/month charges. So far, I have been unable to obtain a refund for charges to my account over the past 2+ years, over $900 in total. If you have experienced this issue, I highly recommend submitting a complaint to the FTC. They were involved with the settlement paid out to consumers the last time this company was sued for this practice.

7 months ago

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William Horan Paramount, CA

A little confusing at first but after reading how to read your credit report and what affects your report it all came together.

7 months ago

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Bill Glazener Annandale, NJ

Three agenecies reports were arranged neatly and in the same manner for all three. Payments on time were shown by checks and were unmistakable. Closed accounts were at the end and documented.

1 year ago

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kaaren alvarado San Francisco, CA

yes i received them, thanks to personal tutoring with shirley. i thought i already answered this and closed my account. i can't afford you but will join again later. 0x, kaaren

1 year ago

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KeAndra Ashley Forest Grove, OR

I’m just really learning how to navigate the app, but so far it seems to be going well and I enjoy being able to have so many options for different things regarding my credit.

2 years ago

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Eulinda Willis Santee, SC

What I really like about the company is that everything is right there at your fingertips. People are scared to go to Credit Monitoring Service because they think it’s difficult.

2 years ago

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Ashley Davis Terrell, TX

Gave me all of my scores and a list of everything I needed to take care of to raise my scores. I have only used it for several days and will review again later as I get more experience with it.

2 years ago

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Regina Allen Los Angeles, CA

Do not have the right information in my credit file I am sure because I am in more than one program with Experian. I wanted to go months with Scoresense but I am reluctant because of the big difference in reporting on my report.

2 years 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 years 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 years ago Edited September 14, 2021

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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!

4 years 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

4 years 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.

4 years 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.

4 years 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.

4 years ago

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Frankie Williams Jackson, MS

I do like the customer service and the plans Score Sense offer to customers but what I don't like is the price of $29 after the free trail it should be $10-$12 to check your credit after that it should be $15 a month if the customer decides to keep the program.

1 year ago

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DiAnn Charlotte, NC

Thank you. It was an easy process. Since you had to change me for this service, I want to make sure it is now cancelled.

7 months ago

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Mandy Vibbert Auburn, AL

Ability to see every account and every score. It was easy to use and insightful with so many resources. I am a first time homebuyer so this was very helpful!

1 year ago

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Tim Boca Raton, FL

Rip off site. I used the free trial and forgot to cancel after the initial period. I did call and cancel it about a month later. However I saw just recently I was continuing to be billed. They took over two hundred dollars out of my account. I called again and was told that this time it was definitely being canceled and that they would review my charges and that if I hadn't used the site I would receive a refund for the past charges. I received an email today saying they are only refunding the last month because I canceled after the trial. DO NOT use this site it is a scam. Now I have to go through the headache of canceling my account and reporting them for fraudulent charges.

2 years ago

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layorinc@yahoo.com Inglewood, CA

The score results from the three credit agencies were supplied quickly. For the first time, all scores were within ten points from lowest to highest.

2 years ago

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Lloyd M Charles Jr

The intro email I received showed my credit scores in the high 700's scores. I signed up to confirm that. The scores showing after I signed up were in the low to mid 600 range, lower than the scores I got directly from the agencies. I had already filed disputes with the 3 negative items on my report. Conclusion, your company used bait and switch tactic to draw me in, so I'm out.

2 years 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 years 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

3 years 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.

4 years 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.

4 years 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 .

4 years 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.

4 years 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

4 years 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.

4 years 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

4 years ago