YourScoreAndMore

• 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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• 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.

Cancellation

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.