Credit Report Reviews & Comparison

Editor's Note:

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

Summary

If you want highly informative services that are easy to navigate, Free Score Online will offer you everything you need and more. With a customizable members area that you can access both quickly and easily, no other credit report company offers such ease of use that's built with you in mind. With a competitively priced monthly membership fee you can expect to manage and monitor your financial information in all the right ways. With some of the most current scores available you know you will be more than on top of your financial data than ever.

Overview of Pricing

For the most current credit scores available online, Free Score Online aims to bring you the best basic services around. You can gain access to their full credit monitoring services with a 7 day trial, which you will receive when you sign up for a refundable $1 3-bureau credit score, and you can continue thereafter for a reasonable $29.95 per month.

When you want to maintain a good credit score it is essential to know where you stand from the outset. To make sure that you are in a good financial position you need to view your three bureau monthly credit reports and scores and monitor your important personal and financial information. Of course, you can't do this on your own so you really need a trusted credit report company that can offer you access to all of these things. But exactly who do you trust to offer these services in a fast and easy to understand manner? This is where FreeScoreOnline.com may come in. They offer you the ability to see your credit scores from all 3 bureaus, which not all credit report companies can boast, along with daily monitoring, alerts and special added features such as identity theft insurance.

Credit Monitoring, Reports and Scores

So to begin with Free Score Online has some great basic services that will keep you in the know when it comes to your current credit standing. You can receive unlimited access to the most recent 3 bureau credit reports and scores available, and each of the three major credit bureaus are monitored on a daily basis so that you can be sure that you stay informed of exactly what you need to know regarding your financial data, as and when it happens.

You have the added ability as a member to create customized alerts for your monitoring mediums, such as new accounts, inquiries, credit increases and interest changes. You will also be automatically alerted when important payments are missed too, so that you can keep track not just of suspicious activity, but of your own personal habits that may affect your overall scores.

Identity Theft Protection and Tools

Free Score Online aim to offer you more than just the standard credit reports and scores, so you can expect some identity theft protection services and tools that will go above and beyond your expectations. They actively search and monitor the internet and important financial records for any information that may suggest questionable activity. You can also expect to gain access to specialist security information, such as tailored alerts that will notify you whenever registered sex offenders move into your neighborhood. They go one step further by allowing you the ability to show you the actual locations of these offenders should you wish to know. You can even expect to receive up to $1,000,000 in identity theft protection, too.

Features and Highlights

There is an array of added features that you can expect when you sign up to FreeScoreOnline.com's services and these include:

• The ID Score Utility
• The ScoreCast credit simulator
• Free Trial of Credit Score Complete
• Learning Center
• Customizable Members Area

How is the Customer Service?

There is an online form that you can fill in to contact the customer service team, an FAQ section and even a mailing address, but the toll free phone line is only available to existing customers.

There is a lot of feedback around the net concerning FreeScoreOnline.com's customer service team and not many of them are positive. There are some issues with the cancellation of membership, inquiries and even with locating your account information, so it may be worth considering that it may take a complicated process to cancel your membership before you sign up.

Sign Up Process

You need to complete three simple stages to enroll into the monthly membership services from Free Score Online and these are: complete, verify and confirm. In short you simply need to enter in your personal and contact information. Make sure to complete all of the sections fully and with correct information to avoid any problems down the line. You do need to include your social security number, which is always a worry with any company, but they do employ digital security methods (which include a number of firewalls and secure socket layer data encryption) to ensure your safety and peace of mind.

Some customers have found that they have been charged the refundable $1 fee even if they haven't completed the online form so be sure that you really want to sign up before you begin the sign up process.

Pricing Concerns

There is a refundable $1 fee which allows you to gain access to your 3 bureau credit scores and this automatically enrolls you into a 7-day trial of their monthly credit monitoring services, as well as to a free trial of Credit Score Complete. The full price per month is a pretty standard $29.95 which is a little on the high side for what is on offer here.

Overall

While the prices are a bit higher than average for the services received, they do offer you access to valuable tools if you need straight forward scores, reports and monitoring. Because the user interface is customizable it is worth a second look, as almost all of their leading competitors don't offer this feature. However, there are a lot of bad reviews out there that state Free Score Online is little more than a scam.

To investigate this further, Free Score Online do publish the cost of their monthly subscription fee, but their Terms & Conditions page clearly states that price changes and new charges will apply to current paid subscribers. This means that fees are subject to change without prior notice.