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Overall Score

LAST UPDATED: November 11th, 2023

YourScoreAndMore offers credit reporting and monitoring services for $39.94 per month after a 7-day trial, which costs $1.00. The company does provide triple-bureau credit reports and TransRisk scores, along with daily monitoring via email alerts.

Some customers complain they 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.

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The Good

  • Triple-Bureau Credit Reporting and Monitoring
  • Monthly Refreshes
  • Education Center
  • Identity Theft Protection

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 credit monitoring of each credit report. 

If major changes like late payments or new accounts show up on any of the reports, the customer is notified by email.

Monthly Refreshes

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.

Education Center

A quick perusal of the credit 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. The information was nothing amazing, but certainly better than some of the consumer credit education centers we've reviewed.

Identity Theft Protection

With a YourScoreAndMore membership, customers are provided with tools that can help them monitor bank accounts, credit cards, their social security number, and more. Additionally, according to YourScoreAndMore's website,  the business will provide up to $1 million to help customers restore their identities. 

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The Bad

  • Possibly Misleading Ads
  • Information Sharing
  • Cancellation

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.

Information Sharing

Under the "Personal Information" section in YourScoreAndMore's terms of use, the company clearly states that by signing up for the service, you agree that the company may share your personal information with YSAM's marketing partners for commercial purposes such as advertising.

This sort of sharing of personal information might make a customer's stomach squirm, but it is unfortunately not uncommon in the credit monitoring industry. However, most companies will at least provide a means for their customers to opt out of having their information shared with third parties. YourScoreAndMore does not provide its users with any such option, which is troubling.


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 monthly membership fee.

YourScoreAndMore also offers a monthly credit refresh rate, educational resources on its website, and identity theft protection services along with up to $1 million in identity theft insurance.

Unfortunately, the company's features are commonly available from other companies in the industry at a lower price, which might be a deterrent to you. Carefully read customer reviews before choosing the company that is right for you.

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10 Reviews

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Living Plantfully

I signed up for this through reward wizard and before my free 7 day trial I tried calling to cancel before being charged for a whole months subscription. I was not able to contact them using any of their numbers online or in the website. I was charged 39.95 and have no way of contacting this horrible scam of a company! How can people be so mischievous!? I will be discutir with my credit card company and will hopefully get a refund, but how to cancel the subscription!?

1 year ago

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Chuck GravesIV Philadelphia, PA

Stay away from this credit report company they will take money out of your account. I didn't sign up for a credit report and somehow they managed to take out 40 dollars from my cash app account. I don't appreciate that. Any credit report company should give you notice before they just go ahead and do what they want and take money out your bank account.i don't even know how I can go about canceling the account and I doubt I'll get my money back. "STAY AWAY SCAM ARTISTS".

4 years ago

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Petie Chisum Glendale, AZ

I was not aware I was signing up for a trial which would automatically convert to a lifetime commitment and monthly charges to my credit card. I filed a complaint with the credit card company and was able to discontinue the payments for the "service". I do not recommend doing business with this company

4 years ago

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Cathy Campbell Scottsboro, AL

I am not pleased with this website. I believe its a scam just to get peoples info. I can't sign in any now & its only been a few hours since I created my account with them. Now I have to change everything as far as my bank info & just hope & pray nothing else goes wrong. This site is fake.

10 years ago

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Katie Mann

I keep getting charged for 69.95 and I didn't sign up for this they have got me 3 times now and I don't know how to stop it .

6 months ago

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Carol-Lisa Hapner Bloomington, IN

The worst. I am going to press criminal charges at this point there is no one responding to me. They have taken multiple payments and I can't cancel. What the hell else can I do? Straight theft.

3 years ago

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Karma01151 Indian Orchard, MA

Don't know where this company came from. I wasn't even on my phone and tried to charge me 29.99. I don't know if they're linked up with Credit Karma or not check out the reviews this company seems very sketchy

5 years ago

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Arrenda Quinney

i was also ripped off i tried to cancel and no answer im going to get my money back now

7 months ago

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Rita Ingham Saint Cloud, FL

I was ripped off $29.95 I didn't order this !!!!!!SCAM...

8 years ago

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I WAS ALSO RIPPED OFF FOR 29.95 A BIG SCAM!!!!!!!!!!!!!!

10 years ago