FreeScore.com

Author: Kaitlyn Short

According to FreeScore.com's website, the company "provides you with the tools you need to access and monitor your financial and credit information through the program's credit reporting and monitoring benefits."

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The Good

• Interface
• Customer service
• Trial
• Triple-bureau reports and scores

Interface

Getting access to one's credit scores and reports is simple with an easy-to-use interface.

Customer Service

Customer service agents are available 7 days a week during normal business hours.

Trial

FreeScore offers a full featured free trial period during which customers can see their credit reports and scores.

Triple-Bureau Reports and Scores

FreeScore offers their customers access to view and see their TransUnion, Equifax and Experian credit reports and scores.

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The Bad

• Complaints
• Restructuring
• Limitations
• Transparency
• Cancellations
• Billing

Complaints

There are numerous complaints against both FreeScore and it parent company for billing customers for services which were previously cancelled.

Restructuring

Vertrue (FreeScore's parent company) has been restructured in a different state after multiple reports of billing practice abuse.

Limitations

FreeScore is not free at all and the scores which are given are "for educational purposes only" and not the same scores which lenders use in making credit decisions.

Transparency

Website and customer service representatives for FreeScore are not transparent when interacting with prospective and current customers.

Cancellations

Canceling membership is difficult and not always effective.

Billing

Vertrue has a history of abusing customer's credit card information and repeatedly billing after customers cancel their subscriptions.

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The Bottom Line

It is better for customers to avoid doing business with FreeScore and Vertrue since they have multiple complaints against them and have issues with limitations and transparency.

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