Credit Report Reviews & Comparison

Editor's Note:

For a limited time, Free Scores And More is offering $5.00 off of your credit report bill every month for a year so you will pay $14.99 instead of the regular price of $18.99. You will recieve a free 30-day trial & monthly credit updates, too.

Summary

FreeScoresAndMore are one of the most established credit report companies in the industry with over 40 years worth of experience in the field. This means that they are one of the most trust-worthy, comprehensive companies out there that can cater to your specific needs. With access to one or more of your credit reports and scores and a customer service team that can't be beaten, a refundable $1 trial fee and subsequent monthly fee of $18.99 ensures that you get exactly what you are looking for.

Overview of Pricing

The monthly fee of $18.99 comes in the middle ground of pricing issues in the credit report sector, with Free Scores and More's leading competitors often charging much more for fewer services. If you want a fast, easy to understand and reliable credit report provider, you should consider their long running track record as you make your decisions.

In recent years the need to check your credit score on a regular basis has become an important part of our daily routines, not just because we are worried about the potential ramifications of identity theft, but also because it helps to keep us on top of our financial standing. When you have access to the same important information that all lenders (and sometimes even potential employers!) have access to, you can better manage the financial choices that you make. Free Scores and More are a credit report company that offers you free access to one or more of your credit scores, along with their credit monitoring services and easy-to-use identity theft protection software; but are they the right match for your current needs?

Credit Monitoring, Reports and Scores

To start off Free Scores and More have been delivering an upstanding credit monitoring service to a large customer base for over 40 years, making them one of the most established credit report companies in the business. They have spent their time building up both trust and an impressive array of benefits and features to provide you with the best services available.

When you visit the website you may notice some differences to other credit report websites because they have chosen to include an informative blog that is centred on giving you real knowledge about your financial affairs, but their services don't simply stop with this information and your credit data; they also include financial calculators and identity theft protection features, too.

Identity Theft Protection and Tools

One of the most attractive anti-identity theft tools is the early warning system that Free Scores and More offer to you as a customer. You are guaranteed to get access to the most up-to-date credit information from the three major credit bureaus (Equifax®, Experian® and TransUnion®) as your reports are updated monthly. Many of the industry's leading competitors only update this information on a quarterly basis, or charge more to update it as often, so this will give you a massive advantage when keeping on top of your financial affairs, and all at the most affordable price.

The added benefit of application monitoring will also keep you ahead of the game as it detects whether or not your personal information is being used by a third party. Actions such as the application for retail credit, utilities, wireless services, check orders and even mortgage loans are monitored so that you get alerted as soon as something happens. You can then take action to stop fraudulent claims and accounts before any damage can be done. On top of this, Free Scores and More offer fraud support, which ensures that you get access to a dedicated member of the fraud team assigned personally to your case that will help you to both navigate and control the often confusing and stressful processes of restoring your identity.

Features and Highlights

Free Scores and More holds a handy little tool that you don't see very often in the credit report industry; the Credit Score Simulator. This tool allows you to see how your financial decisions and actions can influence your overall credit score in the future. For example a decision to apply for store credit can alter your rating so if you had prior knowledge of exactly how, you might choose not to apply. They also offer an even rarer tool, the demographic comparison tool, and this allows you to compare your own financial status against other individuals in your immediate area, and furthermore, around the country. This might seem a little off topic, but simply having access to this information can motivate you to maintain a good credit score and can even help you to boost it.

Free scores and more also offer:

• Score tracker
• Email, text and phone alerts
• Identity theft insurance
• Access to important general financial information

Signup

Free Scores and More is pretty easy to sign up to, but you do need to be aware that everything is done via an encrypted webpage (so that you know you are secure), but be careful not to make mistakes before you submit. It takes a couple of minutes to fill out- simply enter your personal information; name, address and social security number. There are some extra security measures to follow once this is done to allow you to gain access to your instant credit information and this is where it can get a little bit frustrating. You need to call their customer support centre to confirm your identity for one, but at least you know that they go to great lengths to make sure that you know exactly what you are getting into.

How is the Customer Service?

You can contact Free Scores and More by the member's phone line, via email and via a mailing address. The do offer an informative FAQ page too, should you have any minor enquiries that will not require an assistant to help you.

As far as the customer service team goes, they are quick and helpful, but do be sure to have your membership number to hand.

Pricing Concerns

When you sign up to Free Scores and More you get to enjoy their full range of services for 14 days. After the trial period the monthly cost is $18.99. This is on the medium side of the pricing fence, with leading industry competitors often charging more for fewer services. Bear in mind that they do update your credit information much faster than almost anyone else for this price so it is more than worth it.

Overall

So essentially Free Scores and More do a good job of detailing your credit information, which is both easy-to-read and more comprehensive than their competitors, with added features a-plenty. It will be worth it to bear in mind that the credit scores that you will receive are based on the CreditXpert scoring system and not the most widely used FICO score. This means that you will not be seeing the exact same information as lenders, but the CreditXpert scoring system is as close as you can get without access to the actual thing.