FreeScore360.com is a website which offers users the ability to get their 3 free credit scores, along with their 3-in-1 credit report, for just $1.00.
Just by providing your name, address, and a credit card number you will get instant access to your Experian, TransUnion, and Equifax reports.
Your $1.00 payment will also get you a 7 day free trial of ScoreSense, a credit tracking agency which will monitor your credit report for signs of identity theft or abnormal activity.
If you do not cancel your ScoreSense membership before the end of the 7 day trial, you will automatically be enrolled in their monthly services and be charged $29.95 every 30 days to continue your membership.
If you wish to cancel your ScoreSense membership before the end of the 7 day trial, or any time thereafter, you may do so by calling 800-972-7204 and speaking to Customer Service.
6 ‘FreeScore360.com’ Reviews
What do you expect
I've been on the hunt for reviews on all the free credit reporting services and they all seem to sound exactly like the ones on this thread. At the point I got to, it looked like all the services were considered to be shady because they automatically subscribe you to their monthly paid credit monitoring service. If you can go into the hunt expecting this, then really it comes down to figuring out which of the many companies will give you the least amount of trouble to escape their subscription. The ultimate purpose of the free credit score is to entice you to use their service, and that's it. There are no real differentiable qualities beyond that.
That being said, among all the companies I figured I'd give these guys a shot and, as expected, after receiving my scores they automatically enrolled me in their monitoring service. In order to combat this, I called them up and just had to be tough and say to remove me from the subscription and that I needed verification of this. They did, and they never charged me anything. So, among all the companies out there I give this 4 stars because it's what I expected, and really only took 10 minutes by phone to get them to remove me from the subscription plan. 10 minutes of my time in exchange for my credit reports.
BAD BAD BAD!
I'd give a NEGATIVE STAR RATING IF I COULD
It's a Scam
They do provide a credit report but that is available for free from the individual credit reporting services anyway. The only advantage to this service is that they supposedly combine the three reports. The only way to verify that though is to order the individual reports and compare them with this report. This could easily take more than the 7 free days The real issue is that if you don't cancel within the 7 days they will charge you for the full month but your service is cancelled immediately even if you call in on the 8th day. They won't allow you to order the cancellation for the end of the month or continue the service until the end of the month. They rely on people to forget to cancel or to be unable to review the report in the time allocated so they can charge you $30 for something that is available free and then they do not give you the full service you paid for unless you wait to cancel until the month is up and you are very likely to fail to cancel again. Don't ever subscribe to this outfit unless you are so anally retentive that you never miss an appointment or overlook anything or forget anything.
Advertising for this company, Freescore360.com, pops up without my consent or the consent of members of my PC Users Group on our group's webpages. The group and its webpages are meant to be non-profit. That means no commercial use whatsoever. This company was reported to the Washington State Attorney General by me today.
On August 18th, 2009, I was seeking out a way to obtain a free copy of my credit report and credit score. I googled "free credit reports" and many sites were available. One of the sites I clicked on was Free Credit Report 360. I filled out the information requested of me, such as name, address, and so on..., then click "continue."
The next page I came to was a page asking for my credit/debit card information, which I filled out because there was a free trial offer for My Credit Health, however, my card would not be charged for 7 days, but I had to cancel the free trial offer prior to the 7th day.
There was also a warning telling me that my credit card information would not be used at that time, but was required to establish my account. I was a bit leary about giving my credit card information, so I did a "print screen" and pasted a copy of that screen with it's warning(thank God) to MS Paint. I hadn't given any authorization to use my card info. yet.
The next screen I came to gave me an membership number and then gave me the option to "continue" so I could receive a copy of my credit report(this page I printed). Before I clicked on "continue" I thought I should perhaps check out a couple of other sites before proceeding. While doing so I came to AnnualCreditReport.com which offered me access to all three major credit reporting agencies with no free trials, or possible charges to my credit card.
There wasn't even any requests for my credit card information. Since I chose to go this route, I closed out the previous window to Free Credit Report 360, and continued with the other site and received free copies of my credit report from all three major agencies. Ten days later I received a NSF card in the mail from my Bank.
Stunned with disbelief, I quickly pulled up my bank account online only to find that My Credit Health had taken $29.95 out of my account without my authorization...as I stated before, I didn't even continue with that first website, I closed it, however, I didn't delete my credit card information prior to doing so. I just assumed by "x-ing" out of the site, my personal information would automatically be deleted.
BOY WAS I WRONG! Not only was I charged $29.95 to my account, it happened to be that time of the month when my account was low, so I ended up with $179 in overdraft fees. Since then I have found many websites accusing Free Credit Report 360 and My Credit Health of scamming many people such as myself. Don't be scammed by either of these companies.
FOR THOSE OF YOU WHO DON'T KNOW...YOU CAN OBTAIN A FREE COPY OF YOUR CREDIT REPORT FROM ALL THREE MAJOR CREDIT REPORTING AGENCIES ONCE A YEAR.