Sure, you can request your credit report from Experian, Equifax and TransUnion for free, but this is limited to one request per year for each credit bureau. What if you need more regular updates? Or want to know your credit score, too?
FreeCreditScore.com offers free memberships for access to your FICO score and credit monitoring.
What is FreeCreditScore.com?
FreeCreditScore.com gives you access to your Experian credit report and FICO score free of charge. The website is a part of ConsumerInfo, a subsidiary of Experian, one of the major credit bureaus in the US. ConsumerInfo was founded in 1995 and owns several websites that help consumers monitor their credit score and reports.
You will need a different service if you want to see what’s in your Equifax or TransUnion credit reports.
How can I check my credit score with FreeCreditScore.com?
With a FreeCreditScore.com subscription, you get instant, free access to your Experian credit report and FICO score. Your score is updated as soon as you sign in, but you’re restricted to one update every 30 days.
You’ll also get alerts to any changes to your credit report, including new inquiries, new accounts and any signs of fraud. The service also helps you submit and track any disputes to your Experian credit report.
How much does FreeCreditScore.com cost?
FreeCreditScore.com is a free service. However, once you sign up for a membership, you’ll be asked to upgrade to Experian CreditWorks Premium which offers a three-bureau report and score for $4.99 the first month and $24.99 each additional month.
Like with any free service, you’re the product. Expect advertisements in the mail and phone calls from third parties and subsidiaries. Read the fine print and opt out of this ad sharing to prevent your information from being shared.
What other services does FreeCreditScore.com offer?
- Access your Experian credit report. Get full access to your entire Experian credit report — updated every 30 days.
- Get alerts to changes to your Experian credit report. Get automatic alerts if there’s a significant change to your Experian credit report.
- File disputes to your Experian credit report. Notice incorrect data on your Experian report? You can file and track an online dispute directly with FreeCreditScore.com.
- Dark web surveillance report. Get notified if someone is trying to use your personal information.
Pros and cons
Weigh the benefits against the potential drawbacks of using FreeCreditScore.com to decide if it’s the right service for you.
- Free service. You won’t be charged for a membership with FreeCreditScore.com, and you don’t need to supply credit card details to sign up.
- Single-bureau report. You’ll only receive your Experian credit report and FICO score. If you’re looking for a three-bureau report that includes TransUnion and Equifax, you’ll need to upgrade to a paid membership or go with a different provider.
- No identity theft insurance. Consider signing up for a paid service with another provider to get coverage of up to $1 million if someone steals your identity.
- No phone number for customer service. There is no phone number or email address listed on its site to directly contact customer service, which raises a red flag.
How do I sign up?
Signing up for a membership with FreeCreditScore.com is simple and you don’t need to provide credit card details. Just follow these steps:
1. Visit FreeCreditScore.com and click Sign up for Free.
2. Fill out the your personal information including name, contact information. Uncheck the box that asks your permission to send ads and special offers if you’d like to avoid your information being shared.
3. Enter the last four digits of your Social Security number, birthday and create an account. Submit your application.
It can take up to two days to process your account.
Compare FreeCreditScore.com with other credit score services
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
Is FreeCreditScore.com legit?
Yes. FreeCreditScore.com is a part of the Experian company, one of the three established credit bureaus in the US. The Experian data delivered by FreeCreditScore.com is sourced directly from Experian and you don’t need to supply credit card details to sign up. The site uses SSL technology to encrypt the personal information you provide when signing up for membership.
FreeCreditScore.com is not accredited by the Better Business Bureau, but it does receive an A+ rating. As of June 2018, it only has one customer complaint filed against it.
Customer service for FreeCreditScore.com
FreeCreditScore.com does not have a phone number or email address listed on its site to contact customer service. The only information it lists is a mailing address for its parent company:
Attn: Customer Care
PO Box 2390
Allen, TX 75013
Consider FreeCreditScore.com for free, regular updates on your Experian credit report every 30 days. You’ll even get your FICO score and automatic alerts, which many providers make you pay for.
However, if you’re interested in getting access to your Equifax and TransUnion reports, you’ll need to look elsewhere. Compare the different credit monitoring services out there to find the one that best suits your needs.
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