FreeCreditScore Review

By admin January 1, 2013 View all posts (11)

FreeCreditScore Review™ is part of, an Experian® company, and is a leading provider of online consumer credit reports, credit scores and credit monitoring products. As one of the oldest consumer credit monitoring products, ConsumerInfo has provided more than 20 million credit reports since its inception in 1995 and currently has over 3.1 million members., like the name implies, offers a free credit score with a 7-day trial membership and its accompanying Score Center provides a wealth of information to help consumers understand their scores and the factors affecting their scores. Members who continue beyond the free trial are given unlimited access to their Experian credit report as well as credit monitoring features, online financial tools and access to’s customer support team.

Overall Rating

3.6/5.0 Stars


3.4/5.0 Stars


3.1/5.0 Stars


4.2/5.0 Stars


3.7/5.0 Stars

To sign up for a 7 day free trial, visit FreeCreditScore

The enrollment process is simple and straightforward, giving members access to their credit scores within a matter of minutes. Members will provide basic personal information (name, email address and street address), as well as date of birth and Social Security number to help prevent unauthorized access. Customers will also need to provide credit card information. The product will continue to be provided after the 7-day trial unless customers cancel before their trial membership ends.

Several authentication questions relating to information in the credit report must be answered, though the process should be easy to complete. After passing the authentication process and setting up security questions, enrollment will be complete and members will be given access to their credit score.

Credit Report and Score

Visit FreeCreditScore

The credit score provided by is the PLUS Score, which was developed by Experian and ranges from 330 to 830, helps members understand how lenders view their credit worthiness, but it is not a score used by lenders. The score is initially shown on the Score Planner tool and shows where a member’s credit falls, using various factors which include:

  • • Credit Usage
  • • Payment History
  • • Inquiries
  • • Average age of accounts
  • • Types of credit accounts

Clients can adjust a slider in each category to see potential scores based on their future credit behavior and the Score Center provides a detailed list of factors helping and hurting their scores.

Members who have completed the trial period have unlimited access to their Experian credit report. For those who don’t want to wait, the Experian report can be purchased for immediate viewing for $2.95. A 3-bureau report giving a side-by-side comparison of the information in all three bureau reports is also available for $32.95, which also includes the customer’s credit score for each of the three credit bureaus.

Produce Features

Visit FreeCreditScore is primarily a credit monitoring product that sends alerts whenever there are key changes to members’ Experian credit reports such as a late payment, a new credit application or a change of address. Reports are monitored daily, and alerts are sent by email, but they may also be received through text message or iPhone and Android mobile apps. also puts an emphasis on monitoring credit scores. Every client’s Experian credit score is automatically updated twice a month.’s Score Tracking feature allows members to chart their score over time, either on a graph or with a list, to help understand their potential risk level—from very low to very high. Members may set a score goal in 5-point increments to receive an alert when their scores pass above or below this set goal. Members have a lot of control over score alert settings: by default, they are notified whenever their scores change up or down by any amount, but it is easy to change these settings so that they are alerted only when their scores change by 5, 10 or 20 points. Clients will also be notified when a change in their credit score results in a change in their credit scores risk level. Also, another convenient alert feature allows clients to receive email reminders to log in and view their Experian credit scores quarterly or on a specified date.


To sign up for a 7 day free trial, visit FreeCreditScore >

Additional Services

Visit FreeCreditScore also offers members a fraud and identity theft solution that includes access to dedicated fraud resolution representatives should customers detect fraud or signs of identity theft on any of their credit reports. A $50,000 Product Guarantee will reimburse stolen funds, lost wages and legal expenses (all of which are subject to certain limitations; see if’s Terms and Conditions for details) if a member becomes a victim of identity theft. Restrictions apply, and the product guarantee is not available in New York. members may activate CardSafe, a card registry program that will notify credit, debit and ATM card issuers of lost and stolen cards to deny transactions. Cards are automatically registered based on the Experian credit report, though additional cards may be added manually. There is no additional charge for CardSafe.

For $6.95/month, members may enroll their children in ChildSecure, a protection plan to safeguard children’s personal information from identity theft.

Member Rewards is a free benefit with FreeCreditScore membership where Reward Dollars can be used just like cash to lower the retail price on thousands of brand name selections. Discounts are available for travel, dining, entertainment, gift cards and much more. Members start with 50 Reward Dollars, just for enrolling, and earn additional Reward Dollars each month with an active membership.

The Resources area links to an articles library, a variety of financial calculators and more.

Customer Service

Visit FreeCreditScore

Customer service is available toll-free from 6 a.m. to 6 p.m. PST on weekdays and from 8 a.m. to 5 p.m. PST on weekends. In addition, Fraud resolution representatives will assist any member who suspects he or she has become a victim of identity theft.

After the free trial membership, the monthly cost is $14.99. Members are not charged if they cancel within the trial period. The product may be cancelled at any time. is a well-rounded credit monitoring product for consumers who want to rest easier knowing their credit report is being monitored every day, in addition to having dedicated identity theft protection and daily access to their credit score. The credit monitoring feature and financial tools combined with the protection provided under the $50,000 identity theft guarantee should qualify as a top candidate for prospective clients.


To sign up for a 7 day free trial, visit FreeCreditScore >

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