FreeScoresAndMore Credit Reporting Review


Rating: 7.9 / 10 (Very good)
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FreeScoresAndMore is a credit reporting service run by the Trilegiant Corporation and Affinion Publishing LLC. It offers consumers the monitoring of their Equifax, TransUnion, and Experian credit scores, a monthly check of their credit reports, and identity theft protection. The service offers a free trial and alerts about credit history changes.

How is FreeScoresAndMore rated?

Breakdown

9/10
Credit Score & Reports
7/10
Monitoring & Tools
8/10
Plans and Pricing
8/10
Reputation & Support

Overall Rating: 7.9 / 10 (Very good)

FreeScoresAndMore provides customers with monthly credit score reports from the Big 3 credit bureaus, daily credit monitoring for unusual activity, and identity theft protections. These services are on par with the offerings of many companies in the credit reporting business. However, the company's prices are somewhat higher, its services slightly less robust and its free trial period considerably shorter than the best of the industry. The companies that own the site, Affinion and Trilegiant, have paid penalties in 47 states for unfair and deceptive business and marketing practices, especially for the type of automatic monthly billing that is utilized by FreeScoresAndMore. For that reason, consumers should make sure they completely understand the terms of the company's free trial offer.

Credit Score & Reports

Credit Score & Reports - 9 / 10

The credit scores reported by FreeScoresAndMore do not go on a consumer's record as a credit inquiry. They are reported monthly to the company's subscribers but can also be checked anytime online. These practices are in line with industry norms.

Credit Bureaus Covered

Equifax
Experian
TransUnion
Credit Report Frequency
Monthly
Access to Credit Scores
Yes
Access to Credit Reports
No

Monitoring & Tools

Monitoring & Tools - 7 / 10

Like many of its competitors, FreeScoresAndMore combines the regular reporting of its customers' credit scores with a monitoring program designed to alert consumers to unusual activity on their credit records. Although the company does not provide identity theft insurance like some of its competitors do, it does pledge to work with consumers whose credit history has been compromised.
Credit Tools
Credit Analysis Calculator
Credit Change Alerts
Security & Protection
Identity Theft Monitoring
Identity Restoration Support

FreeScoresAndMore Plans & Pricing

Plans and Pricing - 8 / 10

FreeScoresAndMore offers a 14 day free trial, which is not as good as the 30 days free trial offered by some of its competitors. After the free period, the service costs $19.95 per month, a fee which is billed automatically to the customer's credit card until the service is canceled. This is up to $5 higher than what other companies charge for a similar service.
30-day Trial Available?
No
Free Report Offered?
No
Monthly Price
Starting at $19.95

FreeScoresAndMore Reputation & Support

Reputation & Support - 8 / 10

The companies that own and operate FreeScoresAndMore, Affinion Group and Trilegiant Corporation, have been penalized by regulators in 47 states for unfair and deceptive business and marketing practices. They are also the subject of many class action suits from aggrieved customers. None of these regulatory actions or suits, to our knowledge, concern its credit reporting services in general or FreeScoresAndMore in particular. Affinion has an A+ rating from the BBB and appears to be responsive to consumer complaints on the BBB website. However, many of the hundreds of BBB complaints concern the company's automatic renewal of monthly service charges. This payment model is used by FreeScoresAndMore, so consumers should be wary. The firm does not have a presence on TrustPilot.
Alert Methods
Phone
Text
Email

Customer Feedback

BBB Rating
A+
Number of BBB Positive Reviews
1
Number of BBB Neutral Reviews
0
Number of BBB Negative Reviews
21

Contact & Additional Company Information

Homepage URL
Company Phone
(203) 956-1000
Headquarters Address
6 High Ridge Park, Stamford, CT, 06905

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