Although ScoreSense provides access to fresh credit reports, acceptable monitoring, interesting tools, and well-designed mobile apps, the company also sells customer information, pushes inaccurate credit scores, has a high monthly price, signup issues, and a poor reputation for misleading clients that it just can’t seem to shake off.

Rank Chart
Reports Available
Our Score
$9.95 - 19.95
$29.99 - 49.99

The Good

  • Triple-bureau reports
  • Monitoring
  • Credit score simulator
  • Mobile app

Triple-Bureau Reports

ScoreSense offers solid credit report coverage by providing customers with full access to all three of their credit reports as often as once a month. Unfortunately, the company doesn’t automatically pull these reports for its customers; instead, it requires users to either log in and refresh them manually on the website or through the app. Nevertheless, having the option to pull from all three bureaus each month is commendable.


ScoreSense monitors for for the following:

  • New accounts opened
  • New derogatory marks
  • New public records
  • New inquiries (when someone applies for credit with your info)
  • Change in personal information (like a new address)

Credit Score Simulator

In addition to a library of basic educational content, ScoreSense provides subscribers with ScoreCast, a credit score simulator powered by CreditXpert that allows customers to see how different actions, such as opening a new account or paying off a credit card, might affect their estimated credit score.

We appreciate the value of these kinds of tools and applaud ScoreSense for including them, but as always, caution users against putting too much stock into them. They help put borrowers on the right track, but the exact numbers should be taken with a grain of salt, as they are provided “for educational purposes” only.

Mobile App

ScoreSense has released a mobile app, entitled Scores To Go, on both the Apple (iPhone and iPad) and Android app stores. It features a slick, mobile design and provides users with access to their credit scores on the go, score tracking over time, and credit tips.

The Bad

  • Unclear scoring model
  • High monthly price
  • Information sharing
  • Signup problems
  • Auto-billing trial
  • Legal issues

Unclear Scoring Model

ScoreSense spends a lot of time talking up the importance of knowing your credit score so you can “know how you look to potential lenders, landlords, insurers, and employers” and  have the “score strength to negotiate a great rate on a new car, get the affordable mortgage on your dream home, or qualify for a personal loan”. However, it is unclear whether or not ScoreSense uses the FICO scoring model, which is the model taken into consideration by the majority of lenders.

High Monthly Price

At $39.95 per month, ScoreSense’s credit monitoring services are the most expensive we’ve reviewed so far. 

Information Sharing

According to ScoreSense’s privacy policy, the company has the ability to sell, trade, rent, or otherwise transfer its customers’ personal information to others. It is not clear who the company shares information with or for what purpose.

Signup Problems

Some consumers have reported running into bug issues when trying to sign up for ScoreSense’s services using the company’s website. This can be frustrating for customers.

Auto-Billing Trial

ScoreSense has caught several complaints from people who sign up for a free seven-day trial and then find their credit card automatically being billed at $39.95 per month after the seven days are up without realizing that this is what was going to happen. This auto-billing model can end up costing individuals who do not cancel in time.

Legal Issues

ScoreSense is owned by a company called One Technologies, which was hit by a major FTC Lawsuit after more than 210,000 people complained about it. Many of the complaints alleged that the customer was misled about the price of the product (thinking it was free) before seeing a mysterious “OTL*ScoreSense” charge on their credit card statement each month.

One Technologies faced a judgment and an injunction in November of 2014 for engaging in deceptive business practices with ScoreSense and other similar websites operated by the same company, including,, etc. The company ended up settling the lawsuit for $22 million on November 19th, 2014.

Although ScoreSense does not engage in this specific practice anymore (the price of the service is clearly printed at the top of each signup page), it tells consumers a lot about the attitude of the company’s management towards its customers and may be indicative of other problems clients might face when dealing with them.

The Bottom Line

At this time, we do not recommend ScoreSense. While the company seems to be moving in a new direction, we still do not feel comfortable recommending it to our users due to its checkered history, its high price, its unclear scoring model, and its sharing of personal information.

More Information

Price Range

After the seven-day trial, membership costs $39.95 per month.

Trial Details

ScoreSense offers a $1 seven-day trial for potential members to get to know the company and the services provided. If the user does not cancel during the seven-day trial, their card will automatically begin getting charged the standard membership fee of $39.95 per month.

Scores and Reports Provided

ScoreSense provides credit reports and scores from all three credit bureaus—Equifax, Experian, and TransUnion.

Credit Monitoring

ScoreSense offers standard triple-bureau credit monitoring and alerts users if it detects any of the following changes to their reports:

  • New credit account opened (such as a loan being taken out or a credit card opened)
  • New credit inquiry (such as a lender checking credit)
  • New public record (such as a judgment, lien, or bankruptcy)
  • New derogatory mark (such as a late payment)
  • New personal information (such as a new mailing address)

Credit Score and Report Refreshes

Users can refresh their credit reports and scores as often as once per month through the company’s website or mobile app. ScoreSense will not refresh the reports for you automatically, but it will send reminders through the mobile app when it’s time for you to do so.

Data Security

ScoreSense utilizes SSL encryption to secure customer information, and the site itself has been certified as secure by both McAfee and Norton. However, ScoreSense’s privacy policy allows the compay to sell, rent, and trade your personal information to its partners, who may not be secure.

Identity Theft Protection

Identity theft insurance can cover up to $1 million of identity theft-related costs (make sure to read the fine print to see what it does and does not cover). This protection is outsourced through American International Group.  ScoreSense’s identity monitoring system purports to scour millions of internet sites, public records, and more to uncover illicit use of your personal information.  An alert is sent by email if there is suspicious activity.

Time in Business

One Technologies, ScoreSense’s parent company, has been in business since 2000.

Contact Information

800-972-7204 (Monday through Friday 8 AM to 8 PM CST, Saturday 8 AM to 5 PM CST, Sunday 12 PM to 6 PM CST)

[email protected]

4447 North Central Expressway
Suite 110 PMB 406 Dallas, Texas 75205

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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5 ScoreSense Reviews

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  1. User Score


    August 2nd, 2014 Maricopa, AZ

    If over paying to see your credit report and taking a look at your current credit scores for nearly $30 a month than do it. If you’re only willing to try the trial service than beware that you will get some opposition from them when you call to cancel. I did manage to cancel, got a cancellation number the first time, and received an email cancellation but they didn’t make it easy. Their service is more costly and they only update all the credit scores every thirty days.

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  2. User Score


    July 6th, 2014 Galveston, TX

    I never received a credit score from Scoresense. I canceled an account I never had in the first place and still on the first of the month was charged 29.95. I had tried to get a credit score and it never posted and I never received an email in regards to having an account. They now are refusing to give me a refund. I would not recommend this company. I give them a 0.

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  3. User Score


    June 28th, 2014 Portland, OR

    Yes, I agreed with Beverly. Scoresense is one of the internet scams. Such a robbers!

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  4. User Score


    June 7th, 2014 Roanoke, VA

    This company ss people out of 29.95 a month when they unknowingly sign up by visiting their website. People they have scammed need to get together and file a class action lawsuit against this internet scam called Scoresense

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  5. User Score


    December 13th, 2013 Bakersfield, CA

    this company is bad about giving you a refund for ‘IDENTITY FRAUD’

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