ScoreSense Credit Reporting Review

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ScoreSense is an online credit reporting service that gives members access to their credit reports from all three bureaus, credit monitoring and building tools, and identity theft insurance. The company offers instant alerts to changes in credit reports and a dispute enter to help customers navigate the complex process of challenging items on their reports. ScoreSense also features a simulator that allows users to see how potential actions could effect their score in the future.

How is ScoreSense rated?


Overall Rating: 0 / 10 (N/A)

ScoreSense has two main strengths when compared to similar services. The company provides monthly reports from all three bureaus, and a solid set of credit building tools customers can use not only to understand their credit now, but predict what effect future actions will have on their report and score. Additionally, we like ScoreSense's mobile app and the fact they offer dispute assistance. On the downside there's little in terms of 3rd party or customer evaluation of the company's services, and it is also not clear what model it uses to calculate its credit scores.

Credit Score & Reports

Credit Score & Reports - 0 / 10

You can't do much better than consistent access to all three bureau scores, and ScoreSense provides this. What's more, the company's ScoreCast and ScoreTracker tools are a great educational resource in not only understanding the factors directly influencing your score now, but also what future actions could possibly do to said score. The dispute center component is a useful feature a lot of other similar credit reporting services don't offer. After all, finding the errors on your report is only half the battle, you must then be instructed on what you can do to fix them.

The only downside to ScoreSense is it is not clear what model they employ when calculating their credit scores. And since FICO® is not mentioned anywhere, we can only assure ScoreSense is using an "educational" score like VantageScore. While these scores can helpful in understanding your credit picture, they are not the ones the majority of lenders or creditors will be looking at when making decisions.

Credit Bureaus Covered

Credit Report Frequency
Access to Credit Scores
Access to Credit Reports

Monitoring & Tools

Monitoring & Tools - 0 / 10

ScoreSense particularly shines in the area of monitoring and tools. The company's ScoreCast tool lets you explore how your credit may be affected by certain actions, including making/missing payments, reducing debt, transferring balances, opening or closing accounts, and receiving inquiries. ScoreSense's alerts are pretty robust as well, notifying users of critical changes to all three reports immediately. Seeing new account openings, delinquent payments, and the like is instrumental in spotting errors and fraud early. Finally, ScoreSense's identity and personal protection services are top notch as well, providing suspicious activity alerts, as well as sex offender and neighborhood reports.
Credit Tools
Credit Analysis Calculator
Credit Change Alerts
Historical Score Tracking
Security & Protection
Identity Theft Monitoring
Identity Theft Insurance
Credit Report Error Assistance
Identity Theft Insurance Limit

ScoreSense Plans & Pricing

Plans and Pricing - 0 / 10

At $39.95 ScoreSense's monthly subscription fee is slightly higher than average for the credit reporting companies we evaluate. However, not all of these providers offer monthly updates from all three credit bureaus, and even fewer still have the credit education and monitoring tools that ScoreSense has. The company also has a free 7-day trial where customers can test drive the service.
30-day Trial Available?
Free Report Offered?
Monthly Price
Starting at $39.95

ScoreSense Reputation & Support

Reputation & Support - 0 / 10

There's not much to go on in terms of reputational factors when it comes to ScoreSense. The company has no BBB grade or Trustpilot score. However, on other independent review sites positive sentiment focuses on the ability to access all three bureau reports at anytime, which is incredibly useful, and the company's consistency in credit monitoring and issuing alerts. There are a fair share of customer complaints about charging, but from our point of view it couldn't be clearer on the signup page that your subscription will be renewed unless you cancel during the 7 day trial.
Mobile App
Alert Methods
Mobile App

Customer Feedback

BBB Rating
Number of BBB Positive Reviews
Number of BBB Negative Reviews
Date Collected

Contact & Additional Company Information

Year Founded
Homepage URL
Company Phone
(800) 972-7204
Headquarters Address
945 Mckinney St, Houston, TX, 77002

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