Freescore.com Review

One quick way to get your credit score from all three credit reporting companies is through the website, freescore.com. However, be aware that there is a catch.

The 3 Free Credit Scores Trial Offer

In the case of freescore.com, there is a catch. You have to agree to a free trial of the company’s 3 Free Credit Scores and Monitoring service. This includes unlimited access to your credit scores from Experian, TransUnion and Equifax (the three credit reporting companies), email alerts of any credit activity in your name, a Social Security report, access to an online credit learning center, identity theft consultation and toll-free access to the company’s credit customer service.

How freescore.com works

Image representing FreeScore as depicted in Cr...
Image via CrunchBase

As a first step, you will be required to fill out your personal information – name, e-mail address, street address, city and so forth. Next, you will be required to supply your phone number and credit card information. In other words, to begin your free trial account, you be required to provide information on a valid credit card.

Once you have done this, you will be taken to a page where you can sign up for public records monitoring. You can avoid this by clicking on a small “No Thanks” link at the bottom of the page.

The next page shows your FreeScore membership information, which includes a 7-Day Trial Period. You will then have to click on a big orange button titled See Scores Now. However, there are more steps before you actually see your scores. The next page requires you to create a password and three security questions and answers. Typical questions are “What is your father’s middle name?” “What is your pet’s name?” and “What was the make of your first car?”

After you choose your three questions and supply the answers, you click on a button titled Save and Continue. But you still won’t see your scores, Instead, you are asked to personalize your credit protection by setting reminders to check your updated scores and reports. To do this, you would click on a button, Start Now.

The next page offers the opportunity to get a reminder e-mail sent to you when it’s time to check your updated report. Click Next and you will be taken to a page when you can activate an Identity Theft Consultation and Restoration Service if you wish.

Notice that you still have been given no idea what this service will cost once your free trial expires.

The next page offers the opportunity to sign up for something called a personalized EasyPay Plan. Next to the Orange Yes button is a No thanks link. If you click on this link, you will go to your Credit Protection Dashboard where there is a button, See All 3 Scores and Reports. Click on it and you will go to a page where you reenter your password and click on Continue.

This takes you to a page where you do Identity Verification by supplying the last four digits of your Social Security Number and date of birth. At the bottom of this page is a button titled Next.

Clicking on this button takes you to a page where you give TransUnion permission to provide your information. You will need to click on I Agree and then Confirm.

Following this is a page where you verify your identify by identifying the county in which you live, the name of one of your previous employers and a street name that you are associated with. Once you supply this information, you will be able to finally see your three credit scores.

A simpler way to see your scores

In case you weren’t counting, you have to go through at least 10 screens before you see your three credit scores. A number of these screens were designed to just sell you something.  In short, freescore.com delivers what it promises – free credit scores but requires a lot of time and patience. Plus you have to sign up for the service and then remember to cancel it within seven days. If you don’t, you will be charged $29.95 per month.

As an alternate, you can go to the websites of any of the three credit reporting companies and buy your credit score for $8 to $19.95 – which might be a simpler and easier way to get it.