Editor’s Note: This product has been removed from viewing as part of this site because has been replaced by freecreditreport. You can still read our original review below, but TopTenREVIEWS is no longer updating this product’s information.

The best thing about TopTenREVIEWS Gold Award winning FreeCreditScore.com is that, along with their credit report services, they provide credit score monitoring from all three credit bureaus and offer identity theft protection that includes the $50,000 Triple Advantage Guarantee (as long as you don’t live in NY).

In addition to offering credit scoring and monitoring services, FreeCreditScore also offers loan services for home purchase, refinancing, auto loans, and even debt consolidation. This service is offered through LowerMyBills.com, which is also an Experian company. We strongly recommend researching loan servicing sites prior to application.

Reports Included With Service
Compare
/10
Identity Guard
Identity Force
PrivacyGuard
Privacy Matters
Equifax Complete Advantage
Credit Report.com
MyFICO
TrueCredit
Credit Score.com
Free Credit Report.com
10
9.4
10
10
6.3
6.8
5.8
5
5
5

If you are only looking for a copy of your credit report and don’t care about monitoring, FreeCreditScores.com offers a 3 Scores service for $39.95. This service is provided by Experian and includes scores from Experian, TransUnion, and Equifax.

If credit monitoring is something you are concerned about, we suggest you look at Experian’s Triple Advantage, which is a service offered by FreeCreditScore.com. When you sign up for Triple Advantage you begin with a free 7-day trial membership and are provided with your credit score from all three major credit bureaus.

Credit monitoring for Experian begins within 48 hours of signing up. TransUnion and Equifax monitoring will usually begin within 4 days.

The monthly subscription for credit monitoring is only $14.95 per month and if you choose to continue using this service after the free trial period this becomes an automatic payment.

Your Triple Advantage subscription allows you to have unlimited access to your Experian credit score. Additionally, you are allowed one annual credit score from each of the three major credit bureaus.

This is a great option if you are in the market to make a major purchase such as a home or new car and need to be monitoring and improving your credit score. After all, a higher credit score usually means you will have access to much lower interest rates on loans which can save you money.

When you are shopping for a credit score monitoring service, keep these extra services in mind. What good is a credit score monitoring service that can’t help you if something goes wrong?

One advantage of this being an Experian service is that fraud protection, security freezes, and disputes are handled in-house. FreeCreditScore.com can identify inaccurate information on your credit score and help you submit dispute letters to each of the three major credit bureaus. Also, if fraud is detected on your credit score they can quickly help you set up a security freeze to minimize damage.

Credit Monitoring
Compare
/10
Identity Guard
Identity Force
PrivacyGuard
Privacy Matters
Equifax Complete Advantage
Credit Report.com
MyFICO
TrueCredit
Credit Score.com
Free Credit Report.com
10
8.8
8.1
9.4
9.4
5
5.6
9.4
5
3.8

According to Javelin Strategy and Research there were roughly 10 million victims of identity theft in 2008 in the United States. Also, the U.S. Department of Justice has found that consumers with incomes higher than $70,000 are twice as likely to experience identity fraud as those with incomes under $50,000.

Up to 20 percent of identity theft victims don’t learn of the problem for four years or more. These cases take a lot of time and money to sort out and businesses lose over $200 billion each year because of identity theft.

Credit card theft is one form of identity theft but there are several other ways your identity can become compromised. Phone or utilities fraud is when someone uses your personal information to set up phone cable service but doesn’t pay the bill. Thieves have also been known to use another person’s information to apply for driver’s licenses or other official ID cards, and Social Security numbers to get government benefits. These can all seriously affect your credit score.

The fact is simple, identity theft is very real and it happens to real people every day. The Federal Trade Commission recommends consumers monitor their bank accounts and credit information on a regular basis to help avoid becoming victims of fraud.

FreeCreditScore.com recognizes the importance of monitoring your credit score to prevent identity theft. This is why identity theft monitoring is provided as an extra feature of Experian’s Triple Advantage Credit Monitoring. If there are any changes made to your credit score, you will be contacted within 24 hours via email. Triple Advantage also comes with a $50,000 guarantee in the form of identity theft insurance (not available to residents of NY).

Additional Services
Compare
/10
Identity Guard
Identity Force
PrivacyGuard
Privacy Matters
Equifax Complete Advantage
Credit Report.com
MyFICO
TrueCredit
Credit Score.com
Free Credit Report.com
10
9.4
8.8
3.6
3.8
8.8
8.1
3.9
3.5
3.5

Support is what separates our top to contenders in this category. We contacted support for both of these companies and found the agents at FreeCreditScore.com to be more knowledgeable and polite than those of the competition.

You may contact FreeCreditScore.com via telephone at 1-866-274-5002, Monday – Friday from 6 a.m. to 6 p.m., and on Saturday and Sunday from 8 a.m. – 5 p.m. (Pacific Time). You may also reach the support department by email at support@freecreditscore.com.

If you need to dispute information on a credit score or request a security freeze, contact technical support and they can help you through the process.

Free Credit Score.com Summary:
/10

As an extra feature, FreeCreditScore.com offers a Resource Center that includes newsletters, articles, and debt/loan calculators that are helpful in learning about how to manage debt and improve your credit score.

Please Note: We did not actually request a credit report, credit score, or credit monitoring services from this company. Review is based on available information, sample reports and experiences with customer service.

 
Web Services » Business & Finance » Credit Report Review » Free Credit Score.com

Free Credit Score.com

Pros
Free Credit Score.com offers an identity theft protection in addition to scores from the three major credit bureaus.

Cons
Free Credit Score.com does not offer any type of fraud alerts or security freezes.

The Verdict
: /10

Free Credit Score.com is a great place to do research on your credit score as well as finding information on managing debt.