FreeScoresAndMore Credit Reporting Review

#9 in Credit Reporting

FreeScoresAndMore specializes in credit monitoring and credit reporting and these services are done across the three major bureaus.  Monthly credit reports are done informing clients while offering identity theft protection and assistance.

Credit Reporting

FreeScoresAndMore gives you access to all your credit scores from the three major credit bureaus. It uses CreditXpert Inc. credit scoring model for its credit reports. This is different from the standard credit scoring model used by most lending and financial institutions in determining your credit worthiness.  FreeScoresAndMore provides daily credit monitoring from the three credit bureaus. It instantly sends alerts once it notices unusual activity on your credit profile. Alerts are sent via text, phone or mail.

Credit reporting frequency

Monthly

Credit monitoring

Monitors credit reports for unusual activities

Credit reports

Gives access to your credit reports

Credit scores

Gives access to your credit scores

Warning reports

Timely alerts to notify you of any unusual activities

Credit Bureaus

Experian

Yes

Equifax

Yes

TransUnion

Yes

Pricing

Price

$14.99

3 Credit bureau monitoring

Yes

Credit report updates

Yes

Credit scores

Yes

Credit score updates

Yes

Identity Theft Protection

FreeScoresAndMore actively monitors your personal information against unauthorized use. The company provides real-time scanning to protect you from identity theft or new loan applications without your knowledge. FreeScoresAndMore helps during the difficult process of restoring you identity with its team of fraud recovery experts. This includes help in reaching out to your creditors and assisting in the credit dispute process.

ID Theft Insurance

No

Fraud assistance

Yes

Lost wallet assistance

Yes

Alerts

Alerts are sent once unusual activity in your credit information is noticed. Daily monitoring enables FreeScoresAndMore to identify if new accounts or loans are requested using your credit information. This allows you to respond more quickly to instances of unauthorized use of your personal identity.

Email

Yes

Text

Yes

Phone

Yes

Mobile

No

Support Services

Telephone

Yes

Email

Yes

Knowledgebase

Yes

Credit Reporting at FreeScoresAndMore

FreeScoresAndMore offers three credit bureau monitoring and reporting. All this for $14.99 which is certainly cheaper compared to similar feature services. However, the service still lags behind its competition in terms of identity theft protection. While this might not be a deal breaker for those searching for credit reporting and monitoring services, more protection could have made it more attractive and landed it a few steps higher in our rankings. 

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