Credit Report Reviews & Comparison

Editor's Note:

There are currently no special offers for GoFreeCredit.com because they simply redirect you to a third party credit report company so that you can sign up to their services.

Summary

GoFreeCredit.com may look like a credit report monitoring company on the face of it, but upon investigation you will find that they simply put you into contact with a third party provider instead. You won't pay them any money and they won't have access your to your financial data, but they do have the means to allow you to create an account with someone who will.

Overview of Pricing

You will not be charged any money for signing up to GoFreeCredit.com, but you will receive a trial membership to Credit Score Complete. For a $1 credit report you will gain access to a free Credit Score and a 7-day trial period. The standard monthly fee is then $29.95.

It may be the in thing to regularly check your credit score to keep your eye on possible fraudulent activity, but did you know that being fully informed is also a necessity if you’re hoping to get awarded a lump sum from a lender, such as a car loan or a mortgage? If you know where you stand financially before you get applying for credit, you can better judge what kinds of loans are on offer for you specifically. As we all know having a good credit rating will boost your chances of getting a loan, but maintaining good credit over time will allow you to get better access to more attractive deals. So what credit report company offers all the right materials for your needs? Here we take a look at GoFreeCredit.com and their offerings to see if you can get access to all of the information you need to know, as quickly and cost-effectively as possible.

Credit Monitoring, Reports and Scores

Sometimes you just want to glance at your credit report to see where you stand and other times you want to browse around the financial and personal information that works to both achieve and maintain those scores. You may even want to look over your monetary data on a daily basis to help you to detect any suspicious activity if you're concerned about identity or credit card fraud. Whatever your needs GoFreeCredit.com offers you the full package when it comes to your credit scores, reports and credit monitoring needs, but sadly it is all done via the services of their partner companies.

Not What You Expected...

So first let's explain. On the face of it GoFreeCredit.com is just your standard, competitive credit report company that offers you all of the features that you need to be able to check and monitor your own personal financial information. Upon further exploration though you may begin to see that this is not quite the case...

The GoFreeCredit.com homepage looks a little bare compared to some of the leading industry competitors; they simply tell you that you can have access to your TransUnion credit scores, credit reports and credit monitoring services- they mention 3 bureau monitoring and they have a bar that outlines their offers details. From here you may be tempted to look for some more detailed information about their added features so the FAQ's page should be your next stop.

The Real Story

The FAQ's page reveals that "GoFreeCredit is not a credit bureau or a credit agency and cannot access your credit information or send it to you". They go on to explain how you will receive a log-in ID and a link to where you need to log in, once you have already signed in with them. Are you confused? Well, the 'About Us' page should follow on in your search to help explain things a little better.

You'll find that within the first two sentences of this page GoFreeCredit.com clearly state that they do not charge you any money what so ever, nor do they have any access to your private financial information. But that's exactly what they're supposed to have access to once you sign up, right? The real sucker punch then comes from the fact that the page that you use to sign up to their services is actually a redirected link, to a related central site. This means that you actually enter your personal information into, sign up to services from, and even pay for a completely different company who is simply partnered with GoFreeCredit.com.

So in short they simply put you into contact with offers and trials from another leading company.

The Sign Up Process

When you sign up to GoFreeCredit.com you are tying yourself to someone else. This means that when you click the 'Submit & Continue' button after entering your basic details, the next page will activate your trial membership to Credit Score Complete and their services. You can claim your 3 free credit scores and gain access to all of your credit monitoring services from here.

Pricing Concerns

Your trial membership to Credit Score Complete can be achieved by simply applying for a free credit score and a $1 credit report. After a 7-day all access trial period you will be charged $29.95 per month to continue your membership.

How is the Customer Service?

According to GoFreeCredit.com you can email them direct or send them a letter via their mailing address. There is no way to cancel the services you have subscribed to from them direct, so you will need to use the toll-free phone line over at Credit Score Complete if you have any wish to cancel your subscription, or even if you have any inquiries. Many customer reviews report trouble contacting GoFreeCredit.com, but are relatively happy with the customer service team at Credit Score Complete.

Overall

For all intents and purposes Credit Score Complete seems to be a viable and legitimate credit report company who not only provides you with accurate credit scores, but breaks them down for you too. They also provide credit monitoring services that will alert you automatically if any of your scores or financial details change, but the problem really lies with how you become a customer and not for the usual reason of why. You are lied to and taken all around the houses by GoFreeCredit.com to gain access to a good, if not slightly expensive provider so is it really worth all of the hassle when you can simply go to a more trusted company?