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

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161 Reviews

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October 31st, 2017 Brooklyn, NY DETAILS arrow_drop_down
Value for your money
Quality of product or service
Customer service
Company trustworthiness

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.



August 14th, 2017 TX

I will NEVER use this company again!! Total rip off you should notify people when the free trial is up and take people's money and even after I fucking agreed to still keep the service after the representatives told me I could have the service for 19.95 then you denied to return my 39.95 back to my account talking a membership I hope nobody uses this company it's a fucking rip off! NEVER again!



July 9th, 2017

After calling to cancel my one week free trial, I was offered a reduced monthly which i accepted. They did not inform me that it meant I would also get reduced functionality. Basically I was just left with receiving alerts, which several were incorrect anyway. I've completely canceled my membership now and would warn any new members on verifying what the promotion contains as far as the application functionality. I'm now just using the free app Credit Karma which provides all information needed as well as frequently refreshed credit scores.



June 3rd, 2017

Misleading and when I called to cancel, they tried in several ways to continue service almost to the point of being harassed. I understand the hard sell but not to such extreme. It's a lengthy process and have to be rerouted a couple of times to get to the right dept.



April 25th, 2017 Milton, WV

Not a legitimate business.Very deceptive business practices.


Jill Davis

April 5th, 2017 Tellico Plains, TN

I was signed up fraudulently by someone checking my credit rating to see if my identity was worth stealing, I guess. They took 6 payments before my bank mentioned the charges. Said they would help me with the tools "Scoresense" offered and it wouldnt cost me as much. After several phone calls and threats of legal action, they still refuse to return all of my money. I am on SSI and Medicaid. Very limited income and even though they themselves have admitted the account was opened fraudulently, they still won't return my money. Unbelievable! My next call is to the attorney General office. Awful people. Terrible company!



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.


Lois King

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.


[email protected]

June 28th, 2014 Portland, OR

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



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


guadalupe baeza

December 13th, 2013 Bakersfield, CA

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