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Saturday, March 2nd
Powered by ScoreSense, Free Score 360 offers daily credit monitoring, alerts, interactive tools, a learning center, and the ScoreSense dispute center during the trial period or membership. In addition, you gain $1M identity theft insurance. However, the platform is offered by One Technologies, which says the quiet part out loud when it refers to Free Score 360 as "a marketing website" .
Free... for 7 days
What does that mean for you? You might be enticed by Free Score 360's 7-day free trial - after all, who doesn't love "free" and it's literally in the name of the service. Be cautious, as the trial leads to a $29.95 monthly membership charge post-trial, making it pricier than most credit monitoring services we evaluated. To terminate your membership, you'll need to connect with customer service via online chat or phone. This reliance on customer service for cancellations raises concerns, especially when reports of repeated charges despite opting out have surfaced.
3-bureau monitoring and reports
But, let's say you take a chance and sign up for that no-cost trial period here. What will you get as a subscriber? Right away, you'll be able to see your credit score at TransUnion, Experian, and Equifax - which is a surprising positive for this credit monitoring service, since some of its rivals only cover one or two of the three. Your credit score will only be updated monthly, so you won't see any changes during your trial period, but your credit will be monitored daily and you'll get any relevant alerts.
Decent set of features
Should you continue on as a paid member, your account will also come with $1 million in identity theft insurance, reimbursing you up to that amount for any damages if your identity is compromised. And, if you spot anything on your credit reports that's not accurate, Free Score 360 subscribers have access to the ScoreSense Dispute Center to get help making corrections. Finally, you can use ScoreCast to see how your score might change if you pay off a debt, miss a monthly payment, take out a loan, or do other things that will have an impact on your credit.
Not enough information offered prior to sign-up
Unfortunately, that's about the extent of the details you'll get prior to signing up for Free Score 360. That reinforces our impression that this service is all about getting your money, and not so much about helping you monitor your credit. To even find the FAQ, we had to go to the login screen: not exactly an action that prospective clients are going to take.
Surprising "A+" from the BBB
Somehow, One Technologies (and, by extension, Free Score 360) manages to get the Better Business Bureau's highest "A+" grade and accreditation. Consumers have filed nearly 200 complaints against the company over the last three years, but evidently all of those have received an appropriate response. And what are people griping about here? Being caught off guard by the monthly charges after the free trial. We've got to say that we're with Free Score 360 on that one: they tell you right on their main sign-up page that there's a monthly fee once the 7-day trial period ends, so that's really on you if you miss that.
Not a credit monitoring platform we recommend
However, that's not enough to earn Free Score 360 our recommendation - "congratulations for not actually tricking people into paying almost $30/month" ? This credit monitoring service starts out on the wrong foot by not showing prospective subscribers exactly what they're getting; why do they have to go all the way to a login screen to view FAQs? And even then, it's just not clear what value Free Score 360 offers for that monthly fee, especially with rival credit monitoring platforms that are much more transparent - and truly free to use. Take a look at the higher-ranked services on our list and you'll almost undoubtedly find one that you like much better than Free Score 360.
In today's interconnected digital world, maintaining a strong credit profile is essential. That's where credit monitoring services come into play - valuable tools to safeguard your financial well-being and keep you informed about your credit health. These services provide continuous oversight of your credit report and alert you to any significant changes.
Credit monitoring lets you to detect and respond swiftly to potential threats like identity theft, fraud, or errors on your credit reports. They do this by sending you alerts via email or text whenever there are significant changes in your credit report. They offer ongoing monitoring of your credit reports from major credit bureaus, allowing you to stay vigilant without manual effort. Moreover, many credit monitoring services provide educational resources and tips for improving your credit scores and managing debt.
In the unfortunate event of identity theft, reputable credit monitoring services often offer assistance in resolving issues and restoring your credit, providing you with valuable support and guidance during a challenging time. It's important to note that credit monitoring primarily focuses on credit-related activities and may not detect all forms of identity theft or fraud, such as medical or criminal identity theft.
Additionally, you may receive alerts for legitimate actions, which could lead to unnecessary concern or alert fatigue. And, it's crucial to understand that credit monitoring services can't prevent or stop fraudulent activities; they can only provide information and alerts, underscoring the importance of your own proactive vigilance in protecting your financial well-being.
Now that you understand what credit monitoring can (and can't) do for you, how do you choose which option is right for you? There are a lot of similarities among providers of this service, and it can get frustrating trying to sort out the minute differences that could impact your decision.
Consider these factors that might illuminate those differences and make it clearer which one you should choose:
Credit monitoring services offer you valuable tools to protect your financial well-being and maintain a healthy credit profile, and Top Consumer Reviews has done the legwork to make it easy to compare today's most popular providers. We're confident that this information will empower you to take control of your financial life and stay on top of your credit profile.
Select any 2 Credit Monitoring Companies to compare them head to head
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