GoFreeCredit Credit Reporting Review

Rating: 8.2 / 10 (Excellent)
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GoFreeCredit.com is a web-based service owned by ConsumerTrack, Inc. that enables consumers to monitor their credit ratings and activity on their credit reports at the three largest American credit bureaus: TransUnion, Equifax, and Experian. The firm offers a free TransUnion score and a $1 trial offer.

How is GoFreeCredit rated?

Breakdown

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

Overall Rating: 8.2 / 10 (Excellent)

Some prospective credit reporting customers may be troubled by a company that requires customers to enter their name, address, phone, date of birth, and Social Security number to obtain its services but buries its own identity in a dense terms-of-use agreement. There is very little data available concerning GoFreeCredit's reputation and support. The company's services are on par with many other players in the credit reporting industry and its pricing is better than many.

Credit Score & Reports

Credit Score & Reports - 8 / 10

GoFreeCredit offers consumers the ability to check their credit reports by logging into its website. It also sends email alerts when changes to customers' credit records are detected, such as reports of delinquent accounts, credit inquiries, new credit applications, and disparaging information. However, the company's website doesn't clearly state how often credit reports are issued.

Credit Bureaus Covered

Equifax
Experian
TransUnion
Access to Credit Scores
Yes
Access to Credit Reports
Yes

Monitoring & Tools

Monitoring & Tools - 8 / 10

The company provides bare-bones credit reports and scores, but does provide identity theft insurance coverage.
Security & Protection
Identity Theft Insurance
Identity Theft Insurance Limit
$1,000,000

GoFreeCredit Plans & Pricing

Plans and Pricing - 8 / 10

GoFreeCredit offers a seven-day trial that includes a free credit score and a $1 TransUnion credit report. This introductory offer is not as robust as that of many competitors who offer 30-day and 14-day free trials. The monthly fee of $19.95 is, however, competitive with many other credit reporting firms. All plans require consumers to waive their right to sue the company for any sort of malfeasance and instead to pursue arbitration contingent on paying a $1000 fee plus any additional fees required by the arbitrator for his or her services.
30-day Trial Available?
No
Free Report Offered?
Yes
Monthly Price
Starting at $19.95

GoFreeCredit Reputation & Support

Reputation & Support - 8.5 / 10

It's difficult to assess the company's reputation and its customer support services. The company makes no reference to its support protocols on its website. It has no presence on TrustPilot. It's not accredited by the BBB, but it does have a surprising B rating from that organization. The rating there is based on two complaints that were not resolved and one complaint that was not responded to at all. The sample size, though, is very small, so this rating should be taken with a grain of salt. Consumers who want something more than online support are advised to make inquiries of the company before signing up.

Customer Feedback

BBB Rating
B
Number of BBB Positive Reviews
0
Number of BBB Neutral Reviews
0
Number of BBB Negative Reviews
0

Contact & Additional Company Information

Year Founded
2004
Homepage URL
Headquarters Address
1700 E. Walnut Avenue 2nd Floor, El Segundo, CA, 90245
Mailing Address
1700 E. Walnut Avenue 2nd Floor, El Segundo, CA, 90245

Top Rated
Our Partner
9.2 / 10
  • Our #1 choice, with an A+ rating by BBB
  • Experian credit report is fompletely FREE
  • TRULY: No credit card required
  • Checking your own report doesn’t hurt your credit
  • Report refreshed every 30 days on sign up