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| Starting price | $19.95 |
|---|---|
| Credit scores | TransUnion |
| Credit monitoring | Yes |
| Trial period | 7 days |
| Update frequency | Monthly |
ConsumerTrack owns and operates GoFreeCredit.com as well as GoBankingRates.com and RewardandTravel.com. It’s served 1 million people since it started in 2007. A monthly membership gets you regular access to a full credit report from TransUnion, Experian and Equifax.
If you’re approaching a large purchase like a house or car, a high credit score of 700 or higher can get you the best rates. Keeping tabs on your credit report can help you determine if you’re ready to apply for loans, or need to wait for your score to improve.
Despite the “free” in GoFreeCredit.com, the service is in fact not free. You’ll pay $19.95 month after a 7-day trial. The 7-day trial includes your TransUnion credit score, and for $1, you can get your full TransUnion report.
Your $19.95 monthly membership includes credit report and monitoring from TransUnion, Experian and Equifax.
Yes, you can find your credit score through most major credit card companies, and some lenders. Credit scores are located at the bottom of your monthly statements, and are free.
Another way to get insight into your credit report is to request a free report from Equifax, Experian or TransUnion. You are limited to request one free report from each bureau every year.
Before signing up to get your credit score and report with GoFreeCredit.com, weigh its benefits against possible drawbacks.
Maybe, though it doesn’t have the best reviews online. It’s not accredited by the Better Business Bureau, which gives it a B rating. As of June 2018, it has eight complaints filed against it, with most customers stating that they didn’t receive a free credit score and instead had their email address given out to solicitors.
Other online forums discuss issues with customers unable to cancel their subscription before the trial ended. Meanwhile, others were charged the subscription fee even when they had called and canceled the service. Furthermore, there’s no phone number listed on the website to contact customer service, which raised a red flag for us.
You can reach GoFreeCredit.com via email or by mail, but the provider does not list a phone number on its website.
However, the lack of clarity on its site plus poor customer reviews raised some red flags for us, so consider comparing other services out there before subscribing to this one.
With its vague details, lack of a phone number on its site and multiple customer complaints, think twice before going with this service. While at $19.95 a month, it’s not the most expensive subscription service out there, it’s still not free.
Compare other credit report and monitoring services available to find the one that makes the most sense for your needs.
Want to know more about your credit score?
Images: GoFreeCredit
