Features

FreeScore360.com is powered by ScoreSense, a trademark of One Technologies. One Technologies is a Dallas company that owns several credit reporting websites, such as FreeScoreOnline.com, NationalCreditReport.com, CheckYourCredit.us, CreditReportCenter.us and CreditScoreCenter.us. The company was launched in 2000 by brothers Alex and Roger Chang as a mortgage leads generator. In 2006 the company switched to the credit monitoring business. According to One Technologies, they have since provided credit monitoring services to over 1 million clients. The company has a C rating with the BBB, due to 2,524 complaints and government action against the company.

As of April 2015, there are pending charges by the Federal Trade Commission against One Technologies over misleading advertising and for charging consumers for credit monitoring programs they never ordered.

What Services Does FreeScore360.com Offer?

FreeScore360.com provides online access to credit reports and scores from all three credit bureaus (Experian, Equifax and TransUnion). FreeScore360.com does not specify which credit score model it uses. However, the terms and conditions of the website specifically say they are not FICO scores. Around 90 percent of lenders use FICO scores to evaluate the creditworthiness of borrowers.

FreeScore360 does not offer daily monitoring, email alerts of credit changes, identity theft protection, or help with credit related disputes.

How Does FreeScore360.com Work?

FreeScore360.com markets itself as a free service, but it's really a paid subscription with a 7-day trial. Consumers must provide their personal information to confirm their identity and credit card details to pay for the monthly subscription in case they don't cancel their 7-day trial. In exchange, consumers receive credit reports and scores from all three credit reporting agencies.

How Much Does It Cost?

The 7-day trial is free as long as you cancel the service within the seven-day period. After that, the service costs $29.95 a month.

How is FreeScore360.com Better/Worse Than Other Credit Reporting Companies?

As long as you remember to cancel your subscription within seven days, FreeScore360.com offers consumers free access to credit scores and reports from all three credit reporting bureaus. Although it does not give out FICO scores, it's still a step up from AnnualCreditReport.com, which doesn't offer any credit scores. The advantage of AnnualCreditReport.com is that it doesn't require consumers to provide a credit card and there is no trial period to worry about.

On the other hand, FreeScore360.com has a history of using questionable marketing techniques and is currently under investigation by the FTC. It is not an accredited BBB business and only has a C rating. Free access to credit reports and scores –albeit not FICO scores—is a good deal. The catch is that users are automatically enrolled in a monthly subscription of $29.95, which is a lot of money for just three credit reports and non-FICO credit scores. Notice that this is a negative option trial, where FreeScore360.com will take consumers' inaction as permission to charge them after the trial period is over. Many customers fail to read the small print on the trial and are unaware they are agreeing to a monthly subscription.

  • Max Monthly Fee
    $30
  • No Monthly Fees
  • Fix Credit Report Errors
  • Identity Theft Insurance
  • 3-Bureau Credit Monitoring
  • FICO Score Available
  • Online Credit Education
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0 votes

I liked getting all three of the credit bureau scores at once. Everytime I've gotten the scores singly prior to this, I've often wondered what the others were at. Doing this answered that question, which is why I did it. Now to figure out why one of them is so much different than the others!


0 votes

I signed up for this site because I wanted to see my credit scores--from all three bureaus. They showed me the scores, which were all different! I am not sure why they were all different, and it really makes me wonder what score shows up when I apply for credit. Enlightening but also confusing experience.


0 votes

This place will show you your three credit scores, but they will also put you into their monitoring service and start charging you in seven days. It's important to cancel pretty much right away if you don't want the service and don't want to be charged. Other than that I liked geting all of my credit scores.


0 votes

Beware! This place does tell you in the fine print, but it's easy to overlook that they will be signing you up for their service once you get your "free" score, which by the way is $1! I don't mind places like this if they are more upfront, but this place is kind of sneaky about it.


0 votes

It was nice to see all three of my credit bureau scores together so that I could compare and then knew where to investigate further, but it wasn't as easy as they made it out to be. Also, now I'm signed up for their monitoring service, which they'll charge me for if I don't cancel in the next 7 days.


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