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      February 15, 2019

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Credit Reporting vs Free Score 360

Best Credit Reports

To help you find the Best Credit Reports, TopConsumerReviews.com provides you with an in-depth comparison of Credit Reporting and Free Score 360.

To see ALL of our reviews for the Best Credit Reports, please Click Here

Monitoring your credit score is essential in today's times. Not only is having a good credit score and credit history important in obtaining an affordable car loan or renting an apartment, it can determine whether you get a job and are able to put food on the table for your family. To further accentuate the importance of knowing your credit score, over $1 billion in identity theft occurs each year.

Proactively managing and monitoring your credit is the only way to protect yourself from being the next victim. Being in tune with your credit score and real time credit activity has never been more important. In the past few years, credit report and monitoring services have popped up and gained the business of millions of American people. However, not all credit report services are alike.

Continue reading below reviews

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2019

Credit Report Reviews

2.5 stars
Credit Reporting

CREDIT REPORTING Visit Site

Cost:

$44.85 per report

Credit Reporting provides a comprehensive, three credit bureau report plus credit all scores for $44.85 per request. The reports are easy to read and allow for a quick comparison across all three bureaus. The reports are sent online and come within seconds of your purchase. While we liked the looks of the reporting we have concerns with the philosophy behind this company's approach to appropriately monitoring changes to your credit.

Credit Reporting does not provide any daily monitoring of changes to addresses, credit inquiries, late payments, new accounts and more. They leave the monitoring up to the consumer to frequently purchase reports. Insurance is also not an option, and neither is proper support to identify and resolve identity theft issues. If a consumer wanted to use Credit Reporting for monthly monitoring it would cost them over $500 per year, which clearly exceeds the cost of all other providers.

In the end, we felt that Credit Reporting provided limited services for the price. The company lacks proactive measures necessary in today's environment as well as adequate support to resolve serious issues identified in the reporting. This company is also missing effective tools to review the progress of your credit over time.

Visit Site

1 star
Free Score 360

FREE SCORE 360 Visit Site

Cost:

$29.95 per month

Free Score 360 offers not only a "Free" 3-in-1 credit report but also a savings club membership. This brought instant concerns to us knowing that an unrelated "Savings Club" is of no benefit to us when our focus is on our credit. Also, until you read the fine-print language you really aren't aware that you are signing up for a monthly service that costs $29.95, billed directly to your credit card. In our mind, these are the type of companies that look and feel like scam artists.

When we focused in on the actual credit reporting provided by Free Score 360 we found that the monthly report includes information from TransUnion, Equifax, and Experian. The report merges all information and provides scores from each bureau as well. The reports are simple to read and allow for an easy comparison between results for accuracy. The report is provided via an online tool only. Reports are not emailed, you must print a copy for yourself to keep.

Free Score 360 provides daily monitoring of credit. Any changes to your credit are reported within 24 hours of the update. What specific aspects of credit changes that are reported was unavailable and therefore presents concern regarding the scope of their monitoring.

All in all, after fully reviewing this company, we continued to have serious concerns regarding the level of legitimacy. We found numerous customer complaints regarding the free credit report, trying to cancel and still getting charged $29.95 each month. Rather than spend the exorbitant monthly fee for this service, we recommend one of the higher ranked companies in our review.

Visit Site

Continued from above

Some companies provide a wide list of credit related services to meet all your credit reporting needs, while others provide only bare basics with little or no customer assistance. Some companies offer insurance up to $1,000,000 and some provide very little to no coverage in the event that identity theft does occur.

If your goal is to improve your credit while effectively avoiding identity theft you'll want to choose a credit report service that specifically meets your needs. This includes assistance with disputing credit report errors, monitoring the progress of improving your credit, providing a knowledgeable staff to answer all your questions, offering insurance to pay for identity theft, and more.

With a number of credit report and monitoring services available today it's important to consider some key aspects of each company before making a decision. Some of these factors include:

  • Cost.  How does their price compare to their competition? Is the charge fair and reasonable and does it fit into your budget?. Do they charge monthly or is their one flat fee?
  • Credit Bureau Sources.  Where are the credit reports obtained from and what is being monitored for credit events? The most comprehensive credit reporting will include all three major credit bureaus including Experian, Equifax, and TransUnion.
  • Resources.  In the event that you need to dispute a credit report item does the company offer easy to use online tools? Does the company offer resources to help improve your credit score, and does it provide assistance in obtaining the best rates for your major purchases?
  • Assistance.  Credit reports are complicated and laws change frequently. Does the service provider have a knowledgeable customer service team?

TopConsumerReviews.com has reviewed and ranked the best credit report services available today. We hope these reviews help you find out your credit score and credit history right away!

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