FreeScoreOnline.com claims to give you all three of your credit scores – TransUnion, Equifax, and Experian – plus your 3-in-1 report for just $1.00.
Once you sign up for FreeScoreOnline, you will be give a 7 day free trial period in which to view your credit scores and reports. If you do not cancel their services within the free trial period, you will be signed up for a monthly subscription.
Currently, FreeScoreOnline does not publish the cost of their monthly subscription fee. Their Terms & Conditions page says this fee can change without notice.
If you are not interested in being signed up for a subscription, you must make sure to cancel within the free trial period. The trial period is measured in 24 hour intervals, so if you signed up at 10:00 am, your trial would be over at 10:00 am 7 days later.
In addition, you can choose to sign up for notices and special offers from Score Sense, which is a credit tracking agency that also offers identity theft protection.
Do you have any experience with FreeScoreOnline? If so, please leave a review below.
Related: Understanding Your Credit Score: What You Need to Know
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IF THE SERVICES YOU CHOOSE INCLUDE A FREE-TRIAL PERIOD, YOUR FREE TRIAL PERIOD IS MEASURED IN 24-HOUR DAYS. FOR EXAMPLE, IF YOU SIGN UP FOR A 7-DAY FREE TRIAL PERIOD AT 10:00 A.M. ON MARCH 1, 2010, YOUR FREE TRIAL PERIOD WILL EXPIRE AT 9:59 A.M. ON MARCH 8, 2010.
As with any transaction online (especially those involving credit cards) one must always look for and read the fine print - which is really easy to find, usually through highlighted hyperlinks before you click anything to continue. As with nearly every credit report/score/monitoring website, freescoreonline.com rather clearly states that the user is engaging in a trial period that must be cancelled within a certain timeframe or membership fees will be charged to the credit card provided at time of sign up. This is standard industry procedure and there is nothing shady about it. There is a quid-pro-quo... you have to do something in order to get something... In this case, you have to remember to send a very short email within 10 days of registering in order to avoid a fee for a service - the only thing this article's author notes that I was unaware of is the exact time of day portion of the trial membership definition, something that should be more prominently displayed.
Anyone who actually believes any of these companies wants to give them something for nothing is incredibly naive, at best. It's a marketing tool, not a scam. They hope that you will like their service(s)/product(s) enough to stick around and pay for it/them (and I'm sure they're hopeful some folks just forget to cancel). Unless you've lived under a rock for the past 10-15 years, you should know that. AND that you can get all 3 credit reports for free at annualcreditreport.com - as allowed by law. It's the scores that are coveted and harder to obtain. Either jump through the easy hoops for a freebie or pay up if knowing the scores is important to you.
freescoreonline.com requires a phone call within 7 days for cancellation of trial membership, not an email within 10 days, as stated above (that was for myFICO).
when they charge money to even let you see things for 7 days and do not inform you as to how much subscription fee amounts to; then you deserve to lose your money for being a sucker.