Credit Report Reviews & Comparison

Editor's Note:

There are currently no special offers for Free Score 360 at the moment, but this doesn't detract from the fact that they are competitively and fairly priced.

Summary

Free Score 360, powered by industry giant ScoreSense, aims to provide you with valuable insight into your credit profiles whilst providing measures to ensure that you can identify and avoid identity theft or credit card fraud from occurring. With credit reports and scores from all three credit bureaus offered alongside some great anti-theft tools, your security is top priority for a very reasonable $29.95.

Overview of Pricing

When you want to make sure that your personal information and financial data are as secure as can be, choosing the right credit monitoring service provider can prove to be difficult. Free Score 360 offer you the most comprehensive anti-theft tools in the industry to ensure that you can rest easy. With a $1 refundable fee that allows you access to Free Score360's membership services, as well as a free trial of ScoreSense (both for 7 days), you know that the subsequent monthly membership fee of $29.95 will be more than reasonable and competitive for the offered services.

As it quickly becomes part of your financial to-do list you'll soon realise that checking your credit score is a great way to make sure that you're on top of everything. But with so many credit report companies out there (most of which are reportedly scams) do you know where to turn to get fast, easy and reliable access to your monetary data? Well, we're here to help! We are taking a look at Free Score 360 to see if they can offer you what you need in terms of cost, services and security so that you can make sure that you are just as confident in your provider as you are of your financial status. ?

Credit Monitoring, Reports and Scores

At a glance Free Score 360 aims to provide you with not only valuable insight into your credit profiles via your reports and scores, but they also take security measures to ensure that you can both identify and avoid the possibility of identity theft or credit card fraud. As they are powered by ScoreSense (who are already one of the leading product providers in the credit monitoring industry) it seems like they have it all and more.

Free Score 360 provides your credit scores from Equifax, TransUnion, and Experian instantly with a wide range of tools that will improve your overall user experience. They work hard to bring information to you in easy-to-understand terms and they really back up the bluff with their more intensive monitoring services. All scores are a provided with a unique side-by-side comparison chart which comprises of the information on file at each bureau, as it is affected by your own personal information and account history.

Identity Theft Protection and Tools

To accompany the initial up to date credit reports and scores that you see as soon as you log in, your credit scores are plotted on Free Score 360's very own ScoreCast tool and are then shared with the unique ScoreTracker tool. These two devices allow you to see how certain financial situations can affect your credit score and how your scores fluctuate from month to month. This will give you a more comprehensive idea of how both your financial decisions affect your data and how your information stands over a period time. To broaden your economic knowledge even more an extensive Learning Center is also available to members. This exclusive area will arm you with all of the informational resources that you need to be on the ball with your credit and personal finance issues.

Free Score 360 works to put an emphasis on their identity theft protection services alongside all of their other features; with daily credit monitoring and immediate alerts you can trust that errors and possible fraudulent activity will be spotted early. Tips are given to help you to know what to look out for and so that you know when to take the extra precautions when protecting your credit if you do fall victim to identity theft. Their online Identity Theft Recovery Guide gives you detailed information about the various steps you may need to take depending on the type of identity theft you have been subjected to, too. You will also gain access to Free Score 360's active Dispute Center which works to guide you through the process of disputing any information found on your credit reports from any one of the three bureaus.

Added Features and Highlights

Aside from these already great aspects, Free Score 360 has even more services that are built with your security in mind. They allow you to register a driver’s license and up to four extra credit cards onto your account for additional monitoring and this is included in the monthly membership with no extra cost to you.

Free Score 360 also offer premium features for an additional fee and these include:

• An identity report
• Criminal alerts
• A neighborhood report
• Sex Offender Alerts

With all of this in mind, members who become identity theft victims during the course of enrolment are also covered with a $1,000,000 Personal Identity Coverage plan.

Pricing Concerns

To receive your membership you will be charged a $1 refundable fee which will entitle you to a free 7-day trial membership. The standard monthly fee is $29.95. There are additional charges for premium features that will be added onto your monthly bill also.

The Sign Up Process

Signing up is simple if not a little intrusive, requiring basic personal information as standard (i.e. name, address and email address) and your Social Security number and date of birth. These are needed to both confirm your identity and retrieve your credit data and Free Score 360 boasts a high level of security to protect your personal information. Then valid credit card details are also required and you will be immediately charged. Monthly services will subsequently be charged without prior warning if you neglect to cancel your membership before the end of the 7-day trial period.

Customer Service

Free Score 360 has a toll-free customer service phone line that is open from 8 a.m. to 8 p.m. CST Monday-Friday, from 8 a.m. to 5 p.m. CST on Saturday and from 12 p.m. to 6 p.m. CST on Sunday. You can also ask the customer service team questions via an online question form or by post. There doesn't seem to be many complaints going around as far as cancelling membership is concerned, but expect to be on the phone whilst staff offer you added incentives to stay.

Overall

With Free Score 360 you get a lot of features and benefits when you sign up. Many negative reviews center on the fact that you are automatically signed up, but that seems to be an industry standard so we can't blame them for that. Unlike many of their leading competitors Free Score 360 offer you access to credit scores from each of the three credit bureaus and this will give you a more well-rounded understanding of where your personal credit profiles stand compared to those of other companies. As long as you remember to cancel if you don't want the monthly membership, why not give them a shot?