Free Scores and More Review: Credit Monitoring
Rating:
Bottom Line:
All 3 credit scores free; monthly credit score & report updates plus other benefits; free 30-day trial
Full Review:

FreeScoresAndMore is provided by PrivacyGuard, who has been been delivering credit monitoring services for a long time and has assembled an impressive array of benefits and features. FreeScoresAndMore’s core credit data is second to none, providing users all three credit reports and scores in addition to three-bureau credit monitoring. FreeScoresAndMore updates your credit scores and reports monthly, which is more often than its closest competition. The service doesn’t just stop with credit data, though. It includes a wide array of information, financial calculators, and identity theft protection features, highlighted by its inclusion of Norton Internet Security Online, our top-rated internet security software. FreeScoresAndMore lets you try all of this out for free for 30 days. For credit scores, reports and monitoring, you won’t do better than FreeScoresAndMore.

When you sign up for FreeScoresAndMore, you can instantly activate your three-bureau credit monitoring and get access to your three-bureau credit report and all three credit scores. The scores you receive are based on the CreditXpert scoring system. While this isn’t exactly the same as FICO, the most popular credit scoring formula, in our testing we’ve found that CreditXpert scores more closely approximate your FICO score than any alternative and are usually within just a few points. We highly recommend the type of three-bureau monitoring that FreeScoresAndMore offers because each bureau usually has different credit information on file for you. Creditors often only report to one bureau and it only takes negative information on one of your credit reports to make you ineligible for a loan or indicate that you are a victim of identity theft. FreeScoresAndMore does a nice job of organizing your credit information in an easy-to-read format. The service goes beyond just giving you the facts by giving you highly detailed explanations of your scores. It details both factors that are helping your score and factors that are hurting it. It also gives a great breakdown of the discrepancies in your credit reports across the three different bureaus. This information can be very helpful in detecting erroneous information that one of the bureaus may have on file. You also get an excellent what-if simulator that will estimate how your scores might change if you took various actions such as paid down a debt or had a credit inquiry. FreeScoresAndMore updates your reports and scores monthly so you always have very current data. This is more frequently than any other credit monitoring service in this price range and is a great benefit. The service then provides a nice graphical representation of how your credit scores change over time. Overall, FreeScoresAndMore’s credit information and tools are second to none.

Another valuable benefit FreeScoresAndMore offers is a free subscription to Norton Internet Security Online. This is the top-rated product in our internet security software reviews and is included in your subscription to FreeScoresAndMore. Norton Internet Security offers top-of-the-line antivirus, antispyware, antispam and antiphising protection plus a lot more like email and IM protection, password management and parental controls. You’ll receive up-to-the-minute protection as long as you are a FreeScoresAndMore member.

FreeScoresAndMore has some other nice identity theft protection benefits including up to $1,000,000 identity theft insurance and identity fraud support. These benefits will come in very handy in the unlikely event you become an identity theft victim while enrolled in FreeScoresAndMore. We particularly like the fraud support, which gives you a dedicated caseworker to help you navigate the confusing and laborious process of restoring your identity.

FreeScoresAndMore offers some useful extra benefits and tools such as multiple financial calculators. They also include neighborhood reports (which include information such as home values, demographics, crime rates, pollution measurements, etc.) for virtually every neighborhood in the United States, reimbursement for access to your driver’s record, and secure storage for your credit card and other financial count information. This storage allows you to quickly access your accounts online should your wallet be stolen or you are otherwise without access to that information.

FreeScoresAndMore’s service has been around for a long time, a fact that is apparent in its user interface. While you won’t have a problem getting the information you need, the account center is a bit dated and could use a refresh. It also employs some extra security in order to access your credit information which can be a bit of a pain. On the positive side, FreeScoresAndMore goes to great lengths during the sign-up process to be very clear about what you are committing to and what you are receiving.

Overall, FreeScoresAndMore is a first-rate credit monitoring service that offers some great additional benefits such as Norton Internet Security Online. Its monthly update of all three reports and scores give it an advantage over most other services we review in the amount of credit data provided. When it comes to keeping tabs on your credit, FreeScoresAndMore is second to none. And with a free 30-day trial, it’s practically risk-free to find out how you like it.


Advertising Disclosure: FinancialAdviser.com is an independent, advertising-supported comparison service. FinancialAdviser.com may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website.