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. 

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. 

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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User Reviews

Star Rating

3.5
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161 Reviews

Review Breakdown

5 star
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1 star
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Abdulhusein Jessa

March 6th, 2020 Long Beach, CA DETAILS arrow_drop_down
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Your Scores are useless. I applied for a mortgage and was told my FiCO was at least 150 Pts below your FAKE scores

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Willie Watson

March 4th, 2020 Andalusia, AL

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

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Tyler Greer

March 3rd, 2020 Plano, TX

Its fairly easy to look around and figure out what's wrong with your credit

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Karina Wait

March 3rd, 2020 Eau Claire, WI DETAILS arrow_drop_down
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Quick and easy way to get my credit scores. Simple. Concise.

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Brandy Valigura

March 3rd, 2020 ,

Very satisfied with the report, honestly didn’t expect to get such great results

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Ronald Cook

March 3rd, 2020 Pasadena, MD

It was easy to get through the credit score And to follow up with score sense for updated reports.

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William Turner

March 3rd, 2020 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.

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Jeffrey Taylor

February 29th, 2020 Melrose Park, IL

I get pretty much the same service from Credit Karma free. So I'm going to cancel you folks. Thank you very much.

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Rick

February 29th, 2020 , DETAILS arrow_drop_down
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Got my scores right away. Got a loan due to them. Wow.

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Jen Wheeler

February 28th, 2020 Phoenix, AZ DETAILS arrow_drop_down
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Very ease to use. Lots of good information!

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Chris

February 28th, 2020 Austin, TX DETAILS arrow_drop_down
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Access to the three bureaus is great, but having to pay $480/yr isn’t.

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Oni A Hakeem

February 28th, 2020 Oxon Hill, MD

It was a very clear on how to manage debt and increase my credit scores

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Bill Wassmann

February 28th, 2020 River Edge, NJ

I got my scores (higher than expected) that's all I wanted. Thanks, merci, danke, gracias, arigato.

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Jo Ann C Russo

February 28th, 2020 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

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Wendy Hildebrand

February 28th, 2020 Manchester, CT

Service was good. Very polite. Very efficient.

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GigiF

February 26th, 2020 Lakeland, FL

Pretty easy to follow. The monthly price point is a bit high for anyone on a budget.

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jencenscore35

February 24th, 2020 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

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Brenda Madison

February 24th, 2020 Nashville, GA DETAILS arrow_drop_down
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Being able to get all 3 scores at once. Very easy to access.

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Tracy Collins

February 24th, 2020 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.

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Kenneth Cooper LMP

February 24th, 2020 Elgin, SC

It was good very informative also welcoming

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James Jones

February 19th, 2020 Atlanta, GA

Got what I wanted to see and what I can do to improve my score

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Will Goodwin

February 19th, 2020 Savannah, GA DETAILS arrow_drop_down
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easy to use right to the point great product

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Alfred Hubbard

February 18th, 2020 Mendenhall, MS DETAILS arrow_drop_down

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.

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Joe Danner

February 18th, 2020 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

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Michael Mannos

February 18th, 2020 Phoenix, AZ

This was simple, easy, convenient and very quick in acquiring what I needed.

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Marvin L Herren jr

February 17th, 2020 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.

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Randy Bates

February 17th, 2020 ,

Well your credit is right there in black and white, very easy to understand.

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joshmayorga

February 17th, 2020 New Prague, MN

Scoresense provided an acceptable user experience for credit scores.

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Robert Bailey

February 13th, 2020 Norcross, GA

I received all 3 of my full cedit reports and the actual credit scores.

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Gary Getman

February 12th, 2020 Newark, OH DETAILS arrow_drop_down
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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

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Sec2180

February 12th, 2020 Long Island City, NY

They showed Everything possible I need to know about my credit

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Christopher Phornpituck

February 12th, 2020 Long Beach, CA DETAILS arrow_drop_down
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I like this website a lot. It makes managing my credit much easier. It's not hard to forget at all.

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Rebecca W Grindstaff

February 11th, 2020 Bakersville, NC

Very easy to understand i would like to find out how to get my score higher Thank You

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Lisa Bryant

February 11th, 2020 Kansas City, MO DETAILS arrow_drop_down
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A lot less expensive but great to use. Very easy app .

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NafeedahA

February 11th, 2020 Philadelphia, PA DETAILS arrow_drop_down
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I like that everything was right where I can see it

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Winn Gillette

February 11th, 2020 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.

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Dianna Boyette

February 11th, 2020 North Hollywood, CA DETAILS arrow_drop_down
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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

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Ken

February 5th, 2020 Oyster Bay, NY

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.

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Julie Martini

February 5th, 2020 Tacoma, WA

They make it simple to obtain my credit scores and reports.

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steven c donner

February 5th, 2020 Aurora, CO

I am looking for my login information your system is not able to use my in fo

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Bones

February 5th, 2020 West Bloomfield, MI

The convenience of pulling the reports was nice, but the reports were a little vague and hard to understand.

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Bob Downing

February 5th, 2020 Santa Cruz, CA DETAILS arrow_drop_down
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Problem is the hook w/ $1 but if you forget to cancel , oh well. Usefull

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Marcos Reyes

February 5th, 2020 New York, NY

Well so far so good it's been easy until now to follow the steps which is great.

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Michael Wueschinski

February 5th, 2020 York, PA

Only could check once. . This must be scam.

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Abnormally HO'RD

February 5th, 2020 Los Angeles, CA

Outlined all areas of my report, and was easy to review and understand!

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Donna Opilla

February 3rd, 2020 Laurel, MD

My experience with ScoreSense was woonderful. I obtained more information very easily than I had anticipated it would be. I love Score Sense.

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Carlos Alberto Odiaga

February 2nd, 2020 Bridgeport, CT

I like it.! very useful especially if I need improve my score credit.

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Lisa Griggs

January 31st, 2020 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.

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Ricardo Matos

January 31st, 2020 Providence, RI DETAILS arrow_drop_down
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Reliable source of information to know how your credit score is.

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Clover Nesbeth

January 31st, 2020 Fort Lauderdale, FL

The comparison report is a great faeture.