YourScoreAndMore offers credit reporting and monitoring services for $29.94 per month after a 14-day trial, which costs $9.95. Although the company does provide triple-bureau credit reports and TransRisk scores, along with daily monitoring via email alerts, it doesn't bring much to the table that helps it stand out from the crowd. There have been numerous complaints about this company from those who had difficulty canceling their trial account in time, along with those who felt deceived or misled by statements about how the service was "free" before their card was automatically billed. We recommend exercising caution before engaging the services of this company.
- Triple-bureau credit reporting and monitoring
- Monthly refreshes
- Education center
Triple-Bureau Credit Reporting and Monitoring
Being that the entire credit reporting service behind YourScoreAndMore is powered by CSIdentity (as are many companies on this list), users can expect three standard monthly credit reports from all three credit bureaus, along with ongoing monitoring of those three reports. If major changes occur on any of the reports, the customer is notified by email.
YourScoreAndMore does provide users with monthly refreshes to their three credit reports, which is commendable and provides customers with ample opportunity to manually review each report to ensure it is both free of errors and fraud. Each report is accompanied by a credit score. Although the exact nature of the score is undisclosed, our previous experience with this software platform leads us to believe that they utilize a score similar to the TransRisk model offered by TransUnion.
A quick perusal of the education center on offer from YourScoreAndMore reveals a reasonable effort being put in to educate customers on the dynamics of credit scoring and reporting, including general advice on how to improve one's score, how to improve their chance of being approved for a credit card, and so forth.
Although some of the information was a little dated, the majority of the content was acceptable. Nothing amazing, mind you, but certainly better than some of the consumer credit education centers we've reviewed in the past.
- Possibly misleading ads
- Information sharing
Possible Misleading Ads
Arriving at the YourScoreAndMore homepage, potential customers are presented with a gigantic ad that talks about getting your "free credit score." Our review team struggled to understand what part of the YourScoreAndMore service could possibly be described as "free," given that even the 14-day trial costs $9.95.
Although the pricing of the service is listed in smaller print above the offending ad, we can't help but imagine some people might start signing up, operating under the assumption that they are receiving a free service when they are not. We were able to locate numerous complaints leveled against this company alleging that customers were deceived into believing the service was either free or at a lower price before their card began to get billed at $29.94 per month.
Most of the complaints leveled against YourScoreAndMore boil down, at some level, to customers being billed either without their knowledge, without their consent, or without being able to cancel in a timely fashion. Although some of these complaints appear to have leveled off in recent months, it is still worth considering when deciding whether or not to do business with this company.
The Bottom Line
YourScoreAndMore, like any of the many resellers of CSIdentity's credit reporting services, provides legitimate credit reports, semi-legitimate credit scores, and legitimate three-bureau monitoring for a hefty price. Unfortunately, the company brings little of value to the table beyond features that are commonly available from other companies at a lower price. This company's checkered history, lack of mobile app, and laundry list of customer complaints is something to be aware of before making the final decision on whether or not to use its service.