Many or all of the companies featured compensate us. Compensation and research may determine where and how companies appear. Learn more
10 Best
Credit Reporting
of 2024

EDITOR'S PICK

VISIT SITE

EDITOR'S PICK

VISIT SITE

EDITOR'S PICK

VISIT SITE
View 10 Best
Credit Reporting 
  1. Home
  2. Credit Reporting
  3. ScoreSense Review

ScoreSense Credit Reporting Review

Our content is free because we may earn a commission when you click or make a purchase using our site. Learn more.
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.
 
View Top 10 List

How is ScoreSense rated?

Breakdown

Overall Rating: 0 / 5 (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

Report Details and Frequency - 0 / 5

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

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

Monitoring & Tools

Credit Bureau & Credit Scores - 0 / 5

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
$1,000,000

ScoreSense Plans & Pricing

Plans and Pricing - 0 / 5

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?
No
Free Report Offered?
No
Monthly Price
Starting at $39.95

ScoreSense Reputation & Support

Monitoring and Extra Features - 0 / 5

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
Yes
Alert Methods
Email
Mobile App

Customer Feedback

BBB Rating
NR
Date Collected
2018-02-13

Contact & Additional Company Information

Year Founded
2011
Homepage URL
https://www.scoresense.com/index.html
Company Phone
(800) 972-7204
Headquarters Address
945 Mckinney St, Houston, TX, 77002

Our Comments Policy  |  How to Write an Effective Comment

Leave a comment for ScoreSense Credit Reporting
Minimum 12 words.
 No maximum length.
* What's Your Rating?
To make this comment as helpful as possible for our community, please provide at least 2 sentences.

Customer Comments & Reviews

Loading Reviews ...
phillips511
3/20/2021
$39.95 a month for Vantage 3.0 scores. Insanely overpriced. Everything on this site can be obtained free from sites like CreditKarma, CreditSemae, CreditWise from Capital One. The Vantage model is not what lenders use, so I don't understand why any company would charge a fee to show you your Vantage scores. Cancelation process was full of upselling and stalling tactics which was very frustrating.

dlburt3rd
10/19/2019
This is a very good service, they are very helpful I would recommend them to my friends and family.

Linda M
1/25/2019
I was charged for a month's service when I did not sign up for it. I called to get the charge cancelled and was told I did not contact them within the time period allowed (6 days). I had originally signed up to get my scores based on a note from my banking institution due to a breach in their system. The cost was $1 and I accepted that. I did not sign up for any additional service. I feel ScoreSense was not clear in their offering and now I have had to pay $29.95. This is not right. Their communication about the monthly cost and cancellation was not clear and should have been more visible.

John M
11/11/2018
I have had scoresense for years. They are slow to update my credit report. I have had to call and remind them on multiple occasions. They always respond by trying to get me to pay more each month. In the current age nearly every credit provider is offering free FICO or other monitoring tool, scoresense is no longer a benefit to me. Today I just cancelled my membership.

Top Rated
Our Partner
  • 3 Credit reports & $1M Identity Theft insurance**
  • Helped protect more than 47 million identities
  • Monthly Credit Score* updates
  • A+ BBB rating
  • What matters most is how a company helps you when your identity is stolen
READ FULL REVIEW >
VISIT SITE

Related to Credit Reporting

Top Articles
Suggested Comparisons