MyScore Credit Reporting Review


Rating: 7.9 / 10 (Very good)
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MyScore is a credit reporting service operated by Golden Scores, LLC of Chattanooga, Tennessee. It offers credit monitoring and score reporting from Equifax, TransUnion, and Experian credit bureaus. The company also markets various discount and consumer rewards plans.

How is MyScore rated?

Breakdown

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

Overall Rating: 7.9 / 10 (Very good)

MyScore's lack of transparency about its ownership and plan pricing makes it difficult to evaluate. The company simply does not give consumers information needed to make an informed purchase. Its disappointing BBB rating stems, in part, from repeated complaints that its services are very difficult to cancel and its representatives are impossible to reach by phone. The company offers credit monitoring and reporting like its competitors, but provides few other credit-related tools and services. At $39.90 per month, its charges appear higher than average and include unrelated perks consumers may not need. All these concerns paint a picture of a company that offers bare-bones service for a high price and attempts to justify that price by offering consumers products completely unrelated to credit reporting.

Credit Score & Reports

Credit Score & Reports - 8 / 10

MyScore offers daily monitoring of Experian and Equifax scores as part of its basic package, but charges extra for TransUnion monitoring. It offers unlimited access to TransUnion scores and reports as part of its mid-level package and unlimited access to scores and reports from all of the Big Three in its premium package.

Credit Bureaus Covered

Equifax
Experian
TransUnion

Monitoring & Tools

Monitoring & Tools - 8 / 10

MyScore allows customers to monitor their scores online. It also pledges to notify customers via email within 24 hours of any changes in their credit reports. It does not offer identity theft insurance or credit management tools.
Credit Tools
Credit Change Alerts
Security & Protection
Identity Restoration Support

MyScore Plans & Pricing

Plans and Pricing - 7 / 10

The company offers a free seven-day trial membership. After that, MyScore charges $39.90 per month for its credit reporting services, which oddly include "roadside assistance." It is unclear from the company's website which of its three plans this fee pays for. It is definitely higher than its competitors' fees.
30-day Trial Available?
No
Free Report Offered?
Yes
Monthly Price
Starting at $39.9

MyScore Reputation & Support

Reputation & Support - 8.5 / 10

MyScore does not disclose its ownership by Golden Scores on its website. Nor does it state how much its services cost until after a prospective customer has entered in his or her personal information. This lack of transparency is troubling and may make some consumers think twice. The firm's B- rating from the BBB is based on a pattern of complaints about allegedly unauthorized deductions from consumer bank accounts, recurring monthly fees that are difficult or impossible to cancel, and the difficulty customers have trying to communicate with the company. The company does not have a TrustPilot entry. MyScore also markets a number of unrelated goods and services, such as grocery coupons, discount phone service, roadside assistance, travel services, and magazine subscriptions. This may give some customers the impression that the company is simply selling whatever it can rather than focusing on one core service.

Customer Feedback

BBB Rating
B-
Number of BBB Positive Reviews
4
Number of BBB Neutral Reviews
0
Number of BBB Negative Reviews
12

Contact & Additional Company Information

Year Founded
2013
Homepage URL
Company Phone
(877) 498-1498
Headquarters Address
633 Chestnut St STE 600, Chattanooga, TN, 37450
Mailing Address
633 Chestnut St STE 600, Chattanooga, TN, 37450

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