Credit Score Review: FreeScore360

Aug 4, 2020Credit Review

It’s generally a good idea to check and know your credit score. Whether you’re looking for a card to build credit, get a car loan, apply for a mortgage, or even sign an apartment lease; your credit score could be the make or break item that leads to approval or being declined. There are lots of places to get your credit score, some are free and some are paid services who will do everything for you. Here we’ll look at Free Score 360 and what makes them different regarding your credit score.

The FreeScore360 Difference

With the free federal credit bureaus, you’re entitled to a credit report once a year at no cost. But does things a bit differently than just providing that same data, they actually provide that data with a monthly credit report with updates. They monitor your credit and provide a thorough insight into all your credit activities like payments, current debt, available debt, and more. They also alert you if there are any major changes to your credit reporting which is great to protect yourself from fraud and be sure you’re paying on time.

This credit monitoring feature goes further than a month to month update as well. You can actually receive daily credit monitoring and alerts to be sure you’re on top of all your credit activities. If something looks out of the ordinary you can address it quickly.

Major Member Benefits

  • 3 Credit Bureau Reports + Monthly monitoring and alerts against identity theft or other types of fraud.
  • Immediate access to credit reports and scores
  • Fraud prevention with alerts regarding suspicious activities like new accounts in your name or other potentially fraudulent issues that could seriously hurt your credit.
  • Day to day credit monitoring
  • Loads of tools and a thorough learning center to keep you connected to your financial pictures
  • Correct credit abnormalities with The FreeScore360 ScoreSense Dispute Center

FreeScore360 Support & Reputation

Free Score 360 is owned by American International Group, Inc., which is a large fortune 500 company and is powered by One Technologies, LLC. So it isn’t a stand-alone small business and has some strong financial backing which makes for its ability to offer some of the best credit reporting services in the business. has full-service customer care with email, live chat, and phone from 8am to 8pm CST for Monday – Friday and 8am to 5pm CST Saturdays and 12pm to 6pm on Sundays. This makes for plenty of ways to get help or support should you ever need it. They have basically zero BBB complaints over the past few years and for a company of this size that is saying something.

You can also use the mobile app to manage your account on the go, check alerts, make updates, contact support, and more.

Plans & Pricing

One great thing about is you can try it for free for 7 days to get a feel for it’s mechanics and see if it will be the right fit for you. This also doesn’t really have limitations. You get total access to your credit scores and reports from the three federal credit bureaus Experian, Equifax, and TransUnion. You also get to use ScoreSense’s daily credit alerts and monitoring, dispute center, functional tools, and help/learning center. After your trial period is completed you will be charged your first monthly payment of $39.95, which then activates the identity theft insurance if you continue on with the account.

You can cancel your membership at anytime (there is no contractual obligation to stay on for any length of time) by simply contacting support.

Verdict: FreeScore360

If you’re interested in finding your credit score there are many options to consider. But if you’re looking for full-service credit monitoring, identity theft protection alerts to issues on your credit, and a whole slew of other benefits than Free Score 360 could be the right fit. Take advantage of the free 7-day trial to test the waters and see how can help you on your credit journey.

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