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.
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.
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 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.
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.
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.
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.
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.
8 months ago
Chuck GravesIV Philadelphia, PA
2 years ago
Petie Chisum Glendale, AZ
3 years ago
Cathy Campbell Scottsboro, AL
9 years ago
Carol-Lisa Hapner Bloomington, IN
1 year ago
Karma01151 Indian Orchard, MA
3 years ago
Rita Ingham Saint Cloud, FL
7 years ago
TONI CASTRO La Mirada, CA
9 years ago
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