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Free Score 360 Review

Saturday, March 2nd

2024 Credit Monitoring Company Reviews

Free Score 360 Review 2 Star Rating

Free Score 360

2 Star Rating
  • Reports scores from all three credit bureaus
  • Daily credit monitoring and alerts
  • $1M in identity theft insurance
  • Tools include ScoreCast and Dispute Center
  • 7-day free trial
  • $29.95/month after free trial
  • "A+" rated and accredited by the BBB

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.

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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.

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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.

Who Offers the Best Credit Monitoring Service?

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.

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Credit Monitoring Company FAQ

Credit monitoring keeps an eye on financial transactions associated with your credit use: your buying behavior, changes in your credit score, and so on. When potential fraud is detected, a credit monitoring service notifies you quickly so that you can put a stop to any unauthorized use of your information or money.
Unless you have the time and energy to keep an eagle-eye watch over all of your accounts, credit monitoring is a must in this age of phishing scams, spam phone calls, and data breaches. Having a credit monitoring service in place can shut down fraudsters early on, before any serious damage is done to your credit history (or your bank balance!).
It's important to point out that credit monitoring doesn't prevent fraud. It can only give you tools to try and protect yourself, while letting you know right away if anything suspicious is detected. Credit monitoring won't stop your credit card from being skimmed, keep your data protected if there's a breach somewhere, or prevent an identity theft from applying for credit in your name.
Both types of score represent different models used to predict how likely it is that any given consumer will be at least 90 days behind on a bill sometime in the next two years. Because they give different weights to the various components in their calculations, the scores they return can be different for the same individual. For example, to get a FICO score, you need to have at least one credit account that's six months "old" or more, but a VantageScore only requires you to have one active account (even if it's not six months "old" ).
Many services are offered at no charge. Yes, you read that correctly: you can get a certain level of credit monitoring for absolutely no fees. However, if you're looking for the most comprehensive services, you can expect monthly fees ranging from $12 to $35.
It's definitely worth considering. Because most minors don't have extremely active credit accounts (car loans, credit cards, and so on), fraud can go undetected for a very long time. Without credit monitoring, your child could go to apply for a college loan or their first credit card and find out that someone has been using their name to open accounts for years!
Be sure to check out what other customers have said about the service. Also, look for a listing with the Better Business Bureau, to give yourself that added assurance that the credit monitoring service you're considering is reputable.
While your credit card company probably does alert you if fraud is detected, it's not designed to be comprehensive: they don't keep an eye on your bank account or any use of your Social Security number to open accounts. Your bank may provide your credit score when you sign into your account, but they don't flag most transactions. Unless you're going to play an active role in monitoring your credit, it's worth it to pay for a service to track it all for you. Plus, many credit monitoring services will help you restore your identity if it's compromised while you're a subscriber.
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Continued from above...

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:

  • Cost. Evaluate the pricing structure, including monthly or annual fees, to determine if it offers a good value for what you'll be paying. Don't shy away from free credit monitoring options, either.
  • Features. Consider the range of features offered, such as credit report monitoring, credit score tracking, identity theft protection, and fraud resolution support. Check which credit bureaus' reports are monitored, as coverage can vary among different services (Experian, Equifax, TransUnion, or even FICO).
  • Reputation. Research the service provider's reputation, read user reviews, and assess their track record in delivering reliable alerts and assistance.
  • Alert system. Assess the speed and effectiveness of the alert system in notifying you about changes in your credit reports.
  • Customer support. Look for responsive customer support options, especially for resolving issues related to false alarms or identity theft incidents.
  • Educational resources. Some of the best credit monitoring services go the extra mile to help you understand credit reports, scores, and financial management.
  • Mobile app. If applicable, evaluate the user-friendliness and functionality of the mobile app for convenient access to credit information.

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.

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