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Founded in 2001 and headquartered in Dallas, Texas, ScoreSense is a membership-based identity protection service provided by One Technologies, L.P. The privately-held company provides customers with credit scores and reports from all three major credit bureaus and offers customers credit report monitoring services as well as identity theft protection at an affordable monthly rate. Customers are also able to obtain a seven-day free trial to try out the company's services before a monthly fee is due. Potential customers should keep in mind that the company's monthly fee for service subscription will automatically be charged after the trial membership ends.
|#1 Complete ID ›|| |
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|#19 ScoreSense ›|| |
ScoreSense offers credit scores and credit reports from each major credit reporting agency (TransUnion, Equifax, and Experian), as well as credit report monitoring with instant activity alerts. In addition, the company scans millions of public and private databases for suspicious activity. As a part of its credit monitoring service, ScoreSense will send out instant credit alerts to ensure that customers catch any errors like unauthorized charges and fraud early on. Customers can get alerts for changes relating to credit history, delinquent payments, and new account openings.
In addition to credit monitoring services, ScoreSense provides a neighborhood report feature that helps customers find out how many sex offenders live near them. The company will send out official sex offender instant alerts if a new sex offender moves into the neighborhood. ScoreSense also offers a ScoreTracker tool that tracks customers' credit score progress for all three credit bureaus. Customers also get the ScoreCast tool which is a score simulator that can tell customers how their scores will change if they take certain credit actions like paying off debt or taking out new loans. Lastly, ScoreSense has a dispute center that shows customers how to dispute mistakes and fraud off of their credit reports in order to improve their credit score rating.
ScoreSense provides its members with access to educational resources through its dispute and learning centers. Members who use these resources receive valuable credit tips, learn how to protect sensitive information, and dispute fraudulent activity.
ScoreSense provides its customers with up to $1 million in identity theft reimbursement insurance. This policy covers lost wages, legal costs, and other expenses related to identity restoration. Meanwhile, many other companies in the identity protection industry offer less identity theft reimbursement insurance.
ScoreSense's ScoreTracker tool only features credit scores that were recently purchased and does not seem to offer free credit reports or free credit scores. For updated information, members must pay an additional one-time fee or upgrade their account.
In the event of an identity theft attack, ScoreSense does not seem to offer support from experienced fraud resolution specialists. Instead, identity theft victims must dispute claims on their own. Although the company does offer a dispute center, customers may still face uncertainty when disputing errors and fraud on their own.
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one star because no negative stars. Turns out Score Sense hacks your emails, and also hacked the FCU sign in, so it appeared as if the FCU was telling you about a potential breach and you should get your credit reports. I contacted the FCU, no such thing. This was a hack, spoof and is against Federal Law. Not only should you NEVER deal with them, but you need to watch out for what appears to be a legitimate breach notice from your banking institution. If you get a pop up referring you to ScoreSense, please forward it to the FBI.
This company is a money hungry scam. Buyers BEWARE!! They will bill you a $1.00 With your credit card and then within a week they take $40 more out of your account and they will not refund it! This is not good business practice and it is offensive and wrong especially to people who have income issues like myself on a limited income. They do not care at all and have customer service reps with an attitude. There is no open negotiation nor arbitration! I am going to be reporting them to the Better Business Bureau and the federal trade commission! If you do business with this company, you are just throwing your money away on people who are not interested in anything except depositing your hard earned cash! Frank C.
Scoresense is a complete RIP off. They tell you the service is free and request your credit/debit card to charge $1.00 to verify you. Next thing you know you are signed up for a monthly membership fee of $29.95. Supposedly you have 7 days to cancel. After 7 days they charge you. I was not aware until I saw the charge in my account. I have tried to get a refund based on false pretenses so they refunded the $1.00. What a joke. I will be reporting them to the BBB. If you request a refund within 30 days it should be granted. I would love to know how many people get nailed for the one time $29.95.
I was tricked into signing up for a free scoresense acct. I used an emergency acct email. Months later I learned they were "hitting" my account for $39.95 per month. They hit me 14 times. I begged on three different calls that I didn't sign up for this after the free month. They gave me four payments back. They made me agree not to go after them and they will give me two now payments. Fast forward a few months I emailed them that I wanted the other 8 payments they stole from me. The snarky guy told me "Well that's not gonna happen" What a horrible company. I hope they fold. Enjoy my money you stole from me and my family.
Like many others, when I tried to cancel was denied refund. My date to cancel was on a Sunday. They were closed when I called. The next days were Xmas eve and Xmas day. Closed again. When I called 12/26, they said they would send in for review. Denied. Absolute BS.
I am being charged without any knowledge of signing up. I dont remember the name ScoreSense. I became a customer without even signing up.
Score sense is a big waste of money. There is nothing they offer that you cant get for free with a little easy research. They say they have experienced people who will answer ALL your questions but they cant answer anything i asked. Not even general questions. Also i tried to cancel but was weekend and so they charged me additional 39.95 for nothing. Dont let them rip you off. Or waiste your time. I would give zero stars but you must give at least 1 star to get to give a review.
their ad came up uninvited every time I accessed a financial institution, eg: my credit union. ad leads you to believe somehow your institution is validating or suggesting signing up for FREE credit score. Not clear that charges will be incurred after free trial. they would not reimburse my checking acct when I realized that I had signed up for something that I was led to believe was free. This is unethical .in my opinion.
Signed up for a "refundable" $1 brief credit report. The application did not state anywhere that I would henceforth be charged $39.95 for a monthly membership. Nor did I see an option to be refunded the $1 (again, scam to get you to use their service). Immediately when I saw the $39.95 charge on my account, I reached out to them. The consultant was very kind and walked me through the steps I needed to take, albeit trying to sell me all different kinds of services along the way. However, I received an update saying my refund was not approved because I "requested the refund after my communicated billing date." NOTHING WAS COMMUNICATED. Shady business practice at best, desperate to get a buck from people. Never will I speak highly of, use, or recommend ScoreSense to anyone. UPDATE: Once I left reviews and tried to argue for the $39.95 charge to my account, I received an email saying this charge had been approved for a refund, which appeard in my account 2 days later. Thank you, ScoreSense, for resolving this issue. My trust in this company was definitely restored.
Neither my wife nor I can ever recall signing up for a monthly credit report service. Yet we recently discovered that a company called ScoreSense and/or One Technologies, LLC of Dallas, Texas has been charging us a monthly fee of $29.95 since the beginning of 2018 for it. However, a customer service agent we contacted verified that we have not been receiving them by mail or accessing them online. Even so, the company is refusing to refund our money which now amounts to $299.50. I believe ScoreSense/One Technologies is practicing "predatory" sales practices and enrolling people, like us, unwittingly in some kind of a monthly credit report subscription plan. But it's a scam. Holly and I wouldn't know what to do with a monthly credit report even if we had one. Please help us recover our money and stop them from doing this to other people.
Rip-Off! I signed up for $1 to get my credit score, called within minutes and cancelled my account, and now notice that they've been billing my credit card $39.95 for over a year! Called them, and pointed out that they could check my account and SEE if/when I was last on their website and see that I haven't EVER been on their site to use their services, yet they denied my request for a refund.
I guess I am just one of many who were cheated but his company. They managed to find a way to charge my account without my being aware and then refused to refund the amount saying that I waited too long (really? just one day is too long?) . I take comfort in knowing that a business model that involves swindling people will ultimately be their demise. May it happen sooner that later.
Stay away!!! My story was the same as everyone else's. I was looking for the legitimate free credit score site when I got suckered into going to this rip-off one. They offer you your free credit report then charge $1 for it. Shady, but not that bad. But then they sign you up for a $29.95/month subscription without telling you. I never got an email from them about it, never saw anything about it on the site... until a month later when I was charged for it. Surprise! Losers. So I tried calling their customer service only to have to listen to a recording for 5 minutes trying to get me to accept a "free" Caribbean cruise I had won for $65... Then another 5 minutes of another recording trying to get me to buy some sort of health service... Then when I declined that, the phone says, "Thank you. Good bye" and hangs up. Idiots. I finally got their cancellation department and they promised to "see what they could do about the refund." My guess is they'll do NOTHING. (Oh, and as a sidenote, the services they provide for that $29.95 subscription are all useless crap.)
Like so many others I did not know I had signed up to be a member. $29.95 was deducted from my account. I called about it and was told my request for refund was not approved. Something needs to be done about this scam. My rating is less than 1 but scored a 1 just so others could see this. Score sense you have screwed over so many like me that couldn't afford the charge. I believe in karma, I hope it catches up with you.
This company gets NO stars. I signed up for this "free" service because I was violated by scam artists. This company said when I gave them my banking account information that no money would be taken out except the 1 dollar that was for verification purposes. Pay pal did the same thing so I didn't think anything of it. Ten days later they took $30 bucks out of my account for some premium crap I know I didn't sign up for. I called their customer service right away to get a refund and cancel my "subscription" and the entire time I was on the phone with them, even after I EXPLICITLY said I did NOT want a subscription I did not sign up for a subscription he tried to sell me other products. I literally told him 15 times I did not sign up for their paid service and I did NOT want their paid service. The customer service agent said he would send my refund in to review which of course got denied because I had the audacity to have this service unwittingly for seven days until I noticed they stole my money. As far as I'm concerned these corporate scumbags are just as bad as the scam artists who tried to steal my identity in the first place. Worse because they hid behind their lies veiled by help.
LESS THAN ONE STAR!! I opened an account just to get a credit score and CANCELLED the SAME hour and some how the account opened back up multiple times, needless to say i ended up paying $40. When I tried to get a refund, miraculously my 3 phone calls to this BS company ended up disappearing. So it was like i never even called to cancel at all!! AND NO I DO NOT WANT A FULL YEAR OF SERVICES AT A DISCOUNTED PRICE FOR THE 8TH TIME! NO MEANS NO!!
I’ve been with ScoreSense for years. Never have I had an issue with them. People need to learn how to read after the word “FREE”. It clearly states on top of the page “it’s $1 and 7 day free trial. If you don’t call to cancel prior you’ll automatically get charged.” And they even send you an email too. Read ppl!
If I can give this company zero star, I will do it. They took $29 out of my account without letting me know. I only wanted to check my credit score and they charge me $29 per month ??? Seriously I called them the First time and the lady said I’ll get a refund. Two days later, I received an email saying I wasn’t approved because “ The refund decision is based in part on how long the account has been active and the services provided.” I’m sorry but you provided me no services and My account is not active. I called them again and they said they will find a solution. I’m waiting!!! If I don’t get my refund, I’ll sue them.
This is a scam. “One time fee of $4.95” automatically enrolls you in $39.99 a month membership , with no warning what-so-ever. There is not even a hint that you will be charged anything beyond the initial $4.95. The only reason I found out is because I found the reviews on this website, and called to ask them if I would be charged $39.99 despite NOT signing up to pay that. Customer service representative said yes, and acted as if she had no idea why it would automatically enroll me in the $39.99 program. Then tried to up-sell me with other offers despite my repeated requests for cancellation.
This company does not provide any value for the $39.95 they charge. When asked for a refund, the provided a $1 refund!! Denying the remainder. Dont use the scam company!
I wanted to try the 7 day trial using scoresense. I thought I would be able to cancel the subscription online. This was not an option. My 7th day fell on a Sunday and of course there were no representatives available. I call the following day, and I said that I wanted to cancel my subscription. She continued to pressure me into trying for a 30 day trial for free, identity theft, etc. I repeatedly said no. I asked her for my refund because of the situation and unfair that “we” can’t cancel online. The representative told me she would submit a form for my refund. I got an email saying that I was approved for my refund....a whole 1$ out of a 39.95$. Wow
I believe the $1 I paid was not for anything to do with credit scores. I just found out they have been charging me 39.99 for months without my agreement. I have been given a partial refund due to being very strong and proactive, and filed a dispute for the charges not refunded with Chase. If you look online at different blogs you will find many complaints, all with the same bad experience. I am going to post my experience on FB, Instagram, Twitter and the BBB They are an aggressive scam and should be put out of business.
I have been using my ScoreSense since February 2013. My agreement with them $9.95 per month which I've paid 63 months of that price. They have recently changed their credit reporting interface/website and I am not able to see the "Account ALERTS" anymore. I wait for 3 days then gave them a call this morning. They said in order to see my Alerts I have to pay $12.99. It is a stupid thing. I had an agreement and I should be able to see my Alerts in my membership. But the representative canceled my membership right away because they want more money! There are many free credit reporting systems and they are honest I am sure. Don't trust SCORESENSE at all. Please stay away...
Terrible scam!!! Do not use!!! I was out of the country and requested to cancel less than 24 hours after my trial was up and they are refusing to refund!! Horrible business!!! Run!!
Flase Advertisement! I signed up and my wife signed up for the free credit score. Before the trial period ran out we called to cancel. Cancel both accounts. Following month my credit card gets charged $29.95. I called asked what the heck they thought they was doing charging me after i called to cancel. They said NO call was ever made to do such a thing. I said you guys are liar my Magic Jack phone record has all called inbound and out bound tracked and printed out on ledger and i can prove i called! The person on the other end choked up and said well lets make this right ill send you over to a specialist to get the money refunded and the account closed out. I went with there crap. Days later no money back. Called again and complained and this time threaten to take legal action. Finley they coughed up the refund. 2 Months goes by and keep in mind I canceled my wife account the same time and even verified it was canceled in my 3rd call to score sense. Tow months goes by they charge my wife $29.95 not once but twice in the same month. I find this out through my bank. I call and I am fuming angry. They claim they got no such call on both accounts. I am arguing with none stop and again threaten to take legal action. They put me on the phone with Charlie ID # 8 Charlie sounds Russian in fact all there staff at Score sense sounds Russian. Charlie asks a bunch of personal questions avoiding to answer me about his Business Office Address, His Business Identification number and the Owner Legal name. Charlie just keeps saying the money will be refunded, the money will be refunded. No money. Charlie and his company a bunch of frauds and is running an illegal business. My next phone call to the local city business office to see if Charlie and his company out of the Garage is legit. File a complaint there as well as the Texas Attorney general and my States Attorney general. After today this will be the end of Score Sense for illegal theft of peoples funds. False advertisement and crooked business dealings! Answer Question #4 more accurately, I was not a willing paid customer of Score Sense. They stole from me and called it a customer relationship!
Terrible company , never signed up for their service, I found out they had my card because I found a charge on my card and when I called to have that stopped and asked for a refund they denied giving me a refund even though I have never used them or even knew they had my information.
I joined ScoreSense to see if it would be a good alternative to my memberships with Experian and creditreport.com. Subsequently, what I found was significant inaccuracy. The scores reported via ScoreSense were as high as 100 points off! Any consumer who is new to this would continue to pay the $39.95 unsuspectedly. I wrote this review to advise that just like credit Karma and credit wise , ScoreSense is not accurate. If you want an accurate credit report, you will have to go to the source. Creditreport.com is on point and cost $24.95 a month with the ability to see all three credit reports, dispute inaccurate info, monitoring, and Identity protection. If you are serious about maintaining your credit or repairing it do not use ScoreSense because it is not an accurate depiction of your real credit scores. Additionally, $39.95 is a bit high for inaccurate information. *****Buyers Beware******
Scoresense is a scam. I was checking out a person online to see if I could get some background information on the person. I looked into been verified and some other companies that charged a feen scoresense was listed along with those companies. I registered and paid the $1 fee which was a one time fee not ongoing. The charged me $39.99 a month beginning in November to January before I realized this fee was charged to my account and asked for a refund and cancellation. They refused to refund all my money.
ScoreScense is a SCAM. There are numerous class action lawsuits against them. Just Google “scoreScense fraud” and you can read all about it. They ripped off hundreds of dollars from us that we are still trying to recover.
I called to cancel my membership about 6 days after i started the trial period, i was charged the $29.00, i asked rep if i would be charged the total $29.00 if i cancelled, she advised me that she would put in a refund request never stating it eould me a request only and i could be denied, if she had told me that i would have continued the service for the entire period however she did start trying to sell me everything the company had including the same service i tried and more for only $5.95 monthly?? My problem is she was misleading me and if this is the way this company does business, $29.95 is chesp for me to find out how they do business, just be aware of this company, they could get rich off ripping off custoners for $29.95.
They make all kinds of promises to the customers and don't deliver. I see on a daily basis makes me want to cry. Even as a independent associate I have begged for them to do right and always brushed off by suppervisors. I do feel some reps at home office do care but there hands are tired. I could write a book of what I seen of lies to customers and lies to independent assoicates. This my opinions you can form your own. I have tried to use my membership 3 times with no success was always brushed off. I feel they are in breach on contract. I never felt this scamed until I met this company. It's sad corperate world made a bad name for this previous family owned company. I pray that things will change but it is all about money they proved that to me and my family.
I feel the company is almost a scam. I never received an email saying I was going to be charged. As soon as I saw a charge on my bank I looked up and called them. The agent kept offering me different services, while also telling me she would put in for a refund. They refunded a $1, but not the $39.95 they billed. I'm just thankful I caught it as soon as charged to be aware so my account didn't go negative!! I feel this company is sneaky the way they do business. I mean is the only way they can get customers to trick them??? Update the company did refund my $39.95 charge! So the customer service response was better than I thought.
I hope in 2018 people can stop being lazy and READ!!!!! Yes the trial service is for $1, but after that you will have to pay for the membership just like any other membership that has a free trial!
My husband and I have had some hard times recently; he lost his job, and in order to take a job, he had to move from our home in Utah to the east coast, had to stay in a hotel at his own expense for a month, and then come up with the money for deposit for an apartment, and when we thought that things had finally settled, he had a car accident. In order to get him a new vehicle quickly, we had to get a small loan to cover what the insurance didn't cover on our totaled vehicle. Somehow, in the process of applying for this loan, we also "applied" for this very expensive credit monitoring service that we did not know we even had until I saw the payment go through today on my bank statement. I asked my husband what it was, and he thought it was something I had signed up for so he hadn't questioned it. They had managed to get three payments of $29.99 out of us before we noticed. I don't need credit monitoring--I get it free as I am a federal employee, and we also get it free from our bank. So this is not something that either of us signed up for on our own free will. I called the very very annoying call center lady and she "couldn't find my account." Even though her company had been withdrawing money from my bank account. Then she asked what my husband's name was, and all the sudden, she found it. Then she told me this story about it was his account and she could only talk to him about it--bye. What rubbish!!! He never applied for any account like this. So, when gets off work and calls her, she's going to say that I set up the account and that she can only talk to me, right? Has anyone gone to BBB in regards to this company? Because taking money from someone's bank account under false pretenses and not refunding it when requested is theft.
Do not remember signing up for this service when requesting free credit report from TransUnion. Now billed $39.95 for something I cannot afford. Called twice (once to ask how this happened & again to cancel the service). Agent kept offering me different fees to allow me to keep part of their service & even 30 day free trial, which I would not accept. There is something very wrong here that I am being billed this amount when I never saw anything about cancelling in 7 days for a free trial. How can this keep happening to people? I certainly can not afford this extra bill when it is around the holidays & I can barely afford anything extra. In fact, not giving gifts this year or celebrating the holidays.
I've never heard, signed up or logged in for this scoresense service ever until yesterday after my wife mentioned I was been charged a $29.95 maintenance fee from a Credit card I hardly ever use, me saying no way the credit card company doesn't charge that monthly. I looked into the charge of $29.95 to see it's from scoresense.com, never using this service I was confused by the charge, so I searched the internet and emails trying to find some information. I found a number and called to find out how they got my information and why I'm being charged, they told me they've been charging me this $29.95 fee monthly since June of 2014. WOW I was totally baffled, over 3 years of charges for a service I've never signed up for, logged into or even heard of. No refund was given or even offered, and no explanation of how they even got my information. Extremely dissatisfied with this situation. Keep a look out this this scamming company Scoresense.com
I used this service but cancelled it because my bank gave me a free service. Now I’m thinking of signing up again. I haven’t had near the service I had with Scoresense. They were easy to talk to and I had no problem with refunds. The bad reviews on here seem to be from people who didn’t do their homework.
DO NOT USE THIS SERVICE! It hurt to give them 1 star! My complaint is like so many others - I didn't realize I was signing up for a monthly service (which I do not need). I caught it after one month and cancelled, but was not able to get my 39.95 refunded. There are many truly FREE ways to ck your credit scores. Do some research and beware.....How does a company like this stay in business???
One star is the lowest I could give otherwise I would not even give them 1 star. They mislead by saying free credit score since they take all personal details and take you to a payment page and ask for credit card info. BEWARE !
Very disreputable business practices. I saw the monthly charge show up on my credit card. I don't know how they got my info - I NEVER sign up for these kinds of things because it's typically too hard to cancel. When I called to cancel, they couldn't find my account, then told me to MAIL or FAX a letter with my info and complaint - sadly ironic for a company with .com in their name. I filed a dispute with my credit card company -to fight this for me.
Found out that i was being charged on my account without having signed up. I was on the free Credit Karma (but this is a long time ago).. and somehow they forced the charged and the fake sign up. DO NOT USE CREDIT KARMA! nor this company. It is very close to fraud in my view.
Apparently, the creator of ScoreSense Christine enjoys talking to men that are engaged and offering her services in a flirting manner. I found out that my fiancé was using her services and she overstepped her boundaries. I guess Scoresense mixes business and plessure. Honestly, women and men who talk to men who are married and engaged are not trust worthy and cannot be taken serious. It did not shock me upon looking up the company that it already had such bad reviews. There are plenty of creditable companies that can fix your credit score and not have this poor of a score.
I was on Credit Karma when I was tricked into signing up. I didn't realize I had even signed up. My card was charged 1 week after I logged on to Credit Karma. When I saw the charge I called and cancelled but was still charged 39.95 for 1 week.
The only services provided was a credit score. It was not made obvious that I was signing up for a monthly payment. I was denied a refund despite the fact that no services beyond the credit score were given. This felt like a scam and I will post this review on other sites as well.
Didn't even know I was a member and they secretly billed me for months. When I put in a refund request they only gave me one month refund. This company is a scam. Shouldn't be in business.
Scores did not match what Experian, TransUnion, and Equifax had reported. When I complained, they said there are "hundreds of different algorithms that determine scores, and this is what your score came up to using our algorithm." We cancelled our subscription immediately, but they took money again the following month. If you choose this service, I suggest you monitor your bank account.
I called 2 hours late for cancelling my membership so they charged me $39.95. Totally absurd.
As soon as I called to cancel my account they charged my card, had to file a complaint with my bank and they only gave me part of it refunded.
I enjoy my Scoresense. Those giving bad reviews did not read the disclaimer or anything else. Scores are based on formulas which are industry specific, for which there are over a hundred formulas to calculate your score. Their's are based on Vantage and they tell you these are their scores. Dealerships use an Auto based formula which is usually a FICO 8 Auto score. Learn before you blame and read before you agree. I can go on about Scoresense and to let everyone know, Scoresense is the only credit service that is FTC compliant. PLEASE READ DISCLAIMERS and AGREEMENTS on websites before you commit. They are absolutely free for the trial period which starts when you agree to terms and conditions and the EMAIL THEY SEND you tells when to call and what time to call BEFORE you are charged. I cleaned up my own credit report using this service and I have helped many more do the same with this service and also showed people how to use the other services they provide. And I have tried other services including the credit bureaus, They all give you a score based on THEIR formula. Try scoresense, call and ask about all the services they offer and use them and if you wish to cancel call BEFORE the time and date SPECIFIED in the e-mail.
I was on Credit Karma when I was tricked into signing up. I didn't realize I had even signed up. My card was charged 1 week after I logged on to Credit Karma. When I saw the charge I called and cancelled but was still charged 39.95 for 1 week.