GoFreeCredit credit monitoring review 2019 | finder.com

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

GoFreeCredit.com credit score and monitoring review

Last updated:  

While its name suggests otherwise, you’ll have to pay to get your credit score from this provider.

Consumers get free access to their credit report once a year from each of the three credit bureaus — TransUnion, Equifax and Experian. But what’s missing is your actual score and ongoing monitoring to catch any mistakes or questionable activity.

Details

Starting price$19.95
Credit scoresTransUnion
Credit monitoringYes
Trial period7 days
Update frequencyMonthly

What is GoFreeCredit.com

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.

How can I check my credit score with GoFreeCredit.com?

GoFreeCredit.com offers customers a free 7-day trial for access to their credit score and $1 for a credit report from TransUnion. After the free trial, you’re automatically charged $19.95 for a monthly subscription for access to your credit report from all three credit bureaus: TransUnion, Experian and Equifax.

GoFreeCredit.com isn’t clear how often it updates your FICO score, so the score you see may not match the industry-standard FICO score used by many lenders. Nonetheless, you can watch the score supplied by GoFreeCredit.com over time to get an indication of how it’s changing.

How much does it cost?

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.

What other services does GoFreeCredit.com offer?

  • Credit monitoring. Up to $1 million in ID theft insurance, with email alerts if something changes in your report.
  • Credit report monitoring. Review your credit report for late or missed payments and settle any inaccuracies you find.

Is there a way to get my credit score for free?

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.

Pros and cons

Before signing up to get your credit score and report with GoFreeCredit.com, weigh its benefits against possible drawbacks.

Pros

  • Reports from all three bureaus. Watching all three of your credit reports is helpful because not every lender reports to all three bureaus — many report to one or two.
  • Credit monitoring and alerts. You get automatic email alerts from GoFreeCredit.com when your credit report changes, which is a good way to watch out for identity theft.

Cons

  • Unclear how often your credit report is updated. GoFreeCredit.com does not commit to a specific update frequency for either credit reports or credit scores. Other providers claim to update reports every day or monthly.
  • No guidelines for identity theft insurance. GoFreeCredit.com report offers $1 million in identity theft insurance, without providing information about what’s covered. You may find it difficult to successfully claim under this benefit if you’re a victim of identity theft.
  • It’s not free. While the provider’s name indicates you’ll get free credit score, that’ll only get you access for 7 days — it’s $1 for access to your credit report. After the 7-day trial, you’re automatically charged a monthly $19.95 subscription fee, unless you cancel.
  • Poor online reviews. GoFreeCredit.com has many negative reviews online, with customers complaining of not getting their credit score once they signed up for the service, or that their info was shared.

How do I sign up with GoFreeCredit.com?

  1. Visit the GoFreeCredit.com site.
  2. Fill in your name, email and ZIP code on the homepage. Click Get Your Score.
  3. Complete your full personal details including your contact information, Social Security number and date of birth. Once you indicate that you’re not a robot, click Submit and Continue.
  4. Verify your identity by answering some security questions, and then click Submit & Continue.
  5. Create a username and password and provide billing information to pay for the monthly subscription. Then click View Score Now!

Compare GoFreeCredit.com with other credit score services

Updated September 21st, 2019
Name Product Starting price Trial period Credit scores Credit monitoring Credit reports Update frequency
$19.99
30 days
TransUnion
Equifax
Experian
Yes
TransUnion
Equifax
Experian
Monthly
Annually
Get your credit report and FICO score for just $1 with enrollment in Experian CreditWorks credit monitoring. Cancel anytime.
$19.95
1 day
TransUnion
Equifax
Experian
Yes
TransUnion
Equifax
Experian
Monthly
Get quarterly access to your most widely used FICO® Scores and a 3-bureau credit report.
$24.95
No
TransUnion
Equifax
Experian
Yes
TransUnion
Equifax
Experian
Monthly
TransUnion credit score, monitoring and identity theft insurance.
$15.95
No
TransUnion
Equifax
Experian
Yes
TransUnion
Equifax
Experian
Monthly
Monitor your key business relationships to protect your company from losses.
$19.95
7 days
TransUnion
Yes
TransUnion
Monthly
$1 for a seven-day trial to get access to your credit score and credit report from TransUnion.

Compare up to 4 providers

Updated September 21st, 2019
Name Product Monthly Fee BBB Rating Customer Support Cancel Anytime
$25
A
Phone
Email
Online Chat
Yes
Save money and build credit with a secured-installment loan that you can access after 12 or 24 months.
$99.95
F
Phone
Email
Mail
No
Specializes in clearing your credit report of inaccurate items with all three credit bureaus.
$19
A+
Phone
Email
Yes
Get a free consultation to help identify erroneous items on your credit report.
$89.95
F
Phone
Email
Yes
Law firm that offers three tiers of credit repair suited to your situation.
Credit Firm Professional Credit Repair
Credit Firm Professional Credit Repair
$49.99
A+
Phone
Email
Mail
Yes
Professional credit repair service that can help you create a step by step action plan. Cancel anytime.
$79
C
Phone
Email
Mail
Yes
Professionals work with you to clean up your credit and raise your credit scores. Cancel anytime.
$79
C
Phone
Email
Mail
Yes
Free credit report and monitoring that comes with a 90-day money-back guarantee.

Compare up to 4 providers

Is GoFreeCredit.com legit?

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.

Customer service at GoFreeCredit.com

You can reach GoFreeCredit.com via email or by mail, but the provider does not list a phone number on its website.

  • By email. Send a note to info@GoFreeCredit
  • By mail. Send snail mail to:
    GoFreeCredit
    1700 E. Walnut Avenue
    2nd Floor
    El Segundo, CA 90245

How do I know that GoFreeCredit.com is right for me?

GoFreeCredit.com offers both a credit score and your full credit report, albeit at a monthly fee. The ongoing credit monitoring could be helpful in case of identity theft.

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.

Bottom line

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

Ask an expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use and Privacy and Cookies Policy.
Go to site