YourScoreAndMore Credit Reporting Review

Rating: 8.1 / 10 (Excellent)
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YourScoreAndMore.com is a web-based service that provides consumers with their credit scores and with monitoring of information submitted to Equifax, TransUnion, and Experian. It also offers identify theft prevention and insurance products. The company charges a recurring fee for services, which can be paid monthly, quarterly, or yearly.

How is YourScoreAndMore rated?

Breakdown

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

Overall Rating: 8.1 / 10 (Excellent)

YourScoreAndMore provides a fairly basic credit reporting service without many of the add-on features that other companies offer. Unlike many others in the industry, it does not offer a free trial. Its monthly rate is quite high compared to comparable companies, but becomes very competitive if paid six or twelve months ahead. The fee includes identity theft insurance. The owner of the website does not identify itself, which is unusual. The company's array of services provided can be procured for less from companies that don't charge as much and that identify themselves adequately.

Credit Score & Reports

Credit Score & Reports - 9 / 10

YourScoreAndMore provides both credit scores and reports from the Big Three credit bureaus. The reports are apparently delivered only by email, though this is not spelled out explicitly in the company's website.

Credit Bureaus Covered

Equifax
Experian
TransUnion
Credit Report Frequency
Monthly
Access to Credit Scores
Yes
Access to Credit Reports
Yes

Monitoring & Tools

Monitoring & Tools - 8 / 10

It does not appear that YourScoreAnd More provides a credit analysis calculator, historical score tracking, an interest rate estimator, or social media insights. This puts it at a competitive disadvantage with many others in the credit reporting industry.
Credit Tools
Credit Change Alerts
Security & Protection
Identity Theft Monitoring
Identity Theft Insurance
Identity Theft Insurance Limit
$1,000,000

YourScoreAndMore Plans & Pricing

Plans and Pricing - 7 / 10

Unlike many of its competitors, Your ScoreAndMore does not offer a free trial. The company offers a seven-day trial membership for $7.95. After that, the monthly fee is $29.94, though there is a substantial discount for paying semi-annually or yearly. The monthly fee is definitely higher than many of YourScoreAndMore's competitors, but on a per-month basis, the semi-annual or yearly billing is very strongly competitive with what others in the industry charge.
30-day Trial Available?
No
Free Report Offered?
No
Monthly Price
Starting at $29.94
Annual Price
Starting at $179.0

YourScoreAndMore Reputation & Support

Reputation & Support - 8.9 / 10

YourScoreAndMore is a BBB-accredited business and enjoys A+ rating, though it has only a handful of reviews. The BBB lists the company as a sole proprietorship and provides an address in Goleta California. However, no information is listed as to the identity of the proprietor of the company. The company's Terms of Service also fail to identify precisely whom the customer is doing business with, and appears to have been copied from a completely different website. The domain name is registered to a Nora P. of Nations Info Corp. The company does not have an entry in TrustPilot. This lack of transparency raises a red flag.
Mobile App
No
Alert Methods
Email

Customer Feedback

BBB Rating
A+
Number of BBB Positive Reviews
1
Number of BBB Neutral Reviews
1
Number of BBB Negative Reviews
4

Contact & Additional Company Information

Year Founded
2005
Homepage URL

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Our Partner
9.2 / 10
  • Our #1 Rated Pick, A+ rating by BBB
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