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.
Your Scores are useless. I applied for a mortgage and was told my FiCO was at least 150 Pts below your FAKE scores
I was led to believe I would get a pool loan all I got was my sore and a high price monthly premium that I was told I could cancel but there are no instructions how to cancel after you get your scores this is a scam
Its fairly easy to look around and figure out what's wrong with your credit
Quick and easy way to get my credit scores. Simple. Concise.
Very satisfied with the report, honestly didn’t expect to get such great results
It was easy to get through the credit score And to follow up with score sense for updated reports.
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.
I get pretty much the same service from Credit Karma free. So I'm going to cancel you folks. Thank you very much.
Got my scores right away. Got a loan due to them. Wow.
Very ease to use. Lots of good information!
Access to the three bureaus is great, but having to pay $480/yr isn’t.
Oni A Hakeem
It was a very clear on how to manage debt and increase my credit scores
I got my scores (higher than expected) that's all I wanted. Thanks, merci, danke, gracias, arigato.
Jo Ann C Russo
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
Service was good. Very polite. Very efficient.
Pretty easy to follow. The monthly price point is a bit high for anyone on a budget.
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
Being able to get all 3 scores at once. Very easy to access.
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.
Kenneth Cooper LMP
It was good very informative also welcoming
Got what I wanted to see and what I can do to improve my score
easy to use right to the point great product
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.
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
This was simple, easy, convenient and very quick in acquiring what I needed.
Marvin L Herren jr
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.
Well your credit is right there in black and white, very easy to understand.
Scoresense provided an acceptable user experience for credit scores.
I received all 3 of my full cedit reports and the actual credit scores.
THERE ARE ACCOUNTS ON THERE THAT I HAVE NO IDEA WHAT THEY ARE AND ACCOUNTS THAT HAVE BEEN CLOSED A LONG TIME--TOO MANY DISTURBING ERRORS CANCEL THIS ACCOUNT -- I HAVE TO ATTEMPT TO CONTACT ALL THOSE UNIDENTIFIED ACCOUNTS
They showed Everything possible I need to know about my credit
I like this website a lot. It makes managing my credit much easier. It's not hard to forget at all.
Rebecca W Grindstaff
Very easy to understand i would like to find out how to get my score higher Thank You
A lot less expensive but great to use. Very easy app .
I like that everything was right where I can see it
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.
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
I liked being able to get my three credit reports, but I don't need monthly access so I won't be continuing my membership after the trial period.
They make it simple to obtain my credit scores and reports.
steven c donner
I am looking for my login information your system is not able to use my in fo
The convenience of pulling the reports was nice, but the reports were a little vague and hard to understand.
Problem is the hook w/ $1 but if you forget to cancel , oh well. Usefull
Well so far so good it's been easy until now to follow the steps which is great.
Only could check once. . This must be scam.
Outlined all areas of my report, and was easy to review and understand!
My experience with ScoreSense was woonderful. I obtained more information very easily than I had anticipated it would be. I love Score Sense.
Carlos Alberto Odiaga
I like it.! very useful especially if I need improve my score credit.
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.
Reliable source of information to know how your credit score is.
The comparison report is a great faeture.