FreeScore360 Review


our score

In a nutshell: A streamlined yet powerful credit monitoring tool that helps customers retake control of their personal finances.

Credit monitoring and alertsWebsite could be more informative
Access to full suite of ScoreSense credit toolsEducational resources only for paid subscribers


Visit FreeScore360

Freescore360 free credit score

What About Fraud Deterrence?

Overall, we were impressed with the suite of fraud deterrence tools FreeScore360 offers. The company is powered by credit monitoring service ScoreSense, which lends their monitoring and tracking technology to help customers stay one step ahead of fraudsters. The most basic deterrence feature offered by the company is a monitoring and alerts utility that reviews customers’ credit reports daily and sends email alerts to users if a new item is entered on any of their reports.

Apart from ScoreSense, FreeScore360 offers its ScoreTracker tool, which lets customers review the progress of their credit scores from month to month to detect any unusual changes in scores. Thanks to ScoreSense, customers can also access a wide variety of identity protection tools including Identity Reports that scan for unusual usage of customers’ identities and whether personal details are being sold on the dark net. In addition, alerts are sent immediately in cases where a user’s identity has been changed, or suspicious activity has been detected.

FreeScore360 at a Glance

Powered by ScoreSense, FreeScore360 offers customers the ability to monitor their credit scores and improve their financial standing by forming responsible habits. The company works tirelessly to provide technology-driven solutions in fraud deterrence, credit reporting, and identity theft protection. FreeScore360 is owned by One Technologies from Dallas, Texas. Today, the company’s overarching goal is to provide innovative and convenient solutions to help customers retake control of their financial circumstances while working to keep their personal information and families safe from harm.

Best for Whom?

Thanks to a straightforward approach and an excellent initial offering, FreeScore360 presents a strong alternative for customers seeking a simple way to stay on top of their credit. The company offers an introductory 14-day free trial that includes a 3-in-1 credit report featuring all three major credit bureaus. Moreover, the company’s suite of monitoring utilities, powered by ScoreSense, give customers a large degree of control when it comes to regularly monitoring their credit.

With useful features that include identity monitoring, alerts, fraud deterrence, and credit score tracking, FreeScore360 is an intriguing service for those customers looking for a one-stop-shop solution to their credit monitoring needs without an overly complicated system. The company’s website is simply designed, and their utilities are available on both computers and mobile devices, making them a strong overall solution for customers looking for powerful monitoring tools.

Freescore360 score monitoring

Features and Services Offered

One of FreeScore360’s strongest suits is the variety of tools and services the company offers subscribers. Starting with their 14-day free trial which gives customers full access to their monitoring and reporting tools, the company provides users with an initial 3-bureau report that includes credit scores, free of charge. Subscribers can also benefit from the company’s daily credit monitoring and instant alerts. These features let users track their own identities while staying abreast of any changes or potential attacks on their credit and identity.

Additionally, FreeScore360 memberships include access to ScoreSense’s extensive learning resources and interactive utilities. These materials contain useful guides on personal finances and credit as well as calculators that can help estimate the impact of life events on credit scores. Apart from these useful features, FreeScore360 subscribers have access to a wide range of identity protection features that consist of identity monitoring and theft coverage of up to $1 million to handle recovery-related expenses. Customers can also take advantage of the company’s Neighborhood Report, which highlights fraud hotspots, as well as registered sex offenders.

Highlights from our FreeScore360 review:

•  Full suite of identity protection and monitoring utilities

•  Monthly credit score tracking lets customers visualize progress

•  Daily credit monitoring and alerts powered by ScoreSense

•  Free 3-bureau credit scores upon registration

•  Robust educational center

•  Powerful online calculators and planning tools

•  Receive monthly updates on credit reports and scores

•  Up to $1 million in identity theft insurance

Monitoring Utilities

We found several impressive features that help customers monitor their credit thanks to FreeScore360’s service. The company focuses most of its services on credit monitoring, and users can take advantage of a complete suite powered by ScoreSense. The first useful feature among the many customers are entitled to receive is access to a free 3-bureau credit score report once they register. Once signed up, customers receive daily monitoring from FreeScore360, as well as instant alerts if any suspicious activity emerges on their reports, ranging from major changes in personal information to any malicious items added.

Aside from daily monitoring, customers have access to a monthly 3-bureau credit report and score update, enabling them to view major changes to their credit and identify along with any potentially erroneous or fraudulent additions. Moreover, FreeScore360 offers a credit score tracker, which lets users check the progress of their credit scores historically from month to month. Subscribers can also take advantage of the company’s identity monitoring tools, which scans nefarious websites, public records, and other sources to check for evidence of fraud or theft of users’ personal information. If the scans reveal something out of place, customers are alerted immediately.

Freescore360 ID theft protection

Identity Protection: Emphasis on Security

Thanks to a strong suite of tools, FreeScore360 customers benefit from a robust and well-rounded security service that helps protect their identity while helping users actively improve their creditworthiness. The company’s partnership with ScoreSense offers customers a strong identity monitoring tool that scans a variety of sources and immediately alerts customers if they are at risk of identity theft or fraud. Moreover, the company offers a variety of other protective tools, including sex offender alerts, which let customers know if a registered offender moves into their neighborhood. FreeScore360 maps the location of all registered sex offenders and other potential threats around a user’s home.

Customers who become victims of fraud also have options at their disposal. The company provides subscribers with identity theft insurance that can total up to $1 million to cover expenses related to identity theft and the associated legal costs of fraud resolution. Furthermore, the dispute center is designed to help customers learn how to correct errors on their credit reports, including potentially fraudulent entries. To round out their services, company representatives are on hand to assist users with credit rehabilitation if their report has been damaged by malicious items.

Even the company’s credit monitoring utilities enhance customers’ identity theft prevention efforts. The company’s monitoring and tracking systems immediately alert customers if there has been any change to the personal information listed on any of their reports, as well as new entries that appear to be false or fraudulent.

How Safe is It?

We were generally pleased with the level of security offered by FreeScore360’s website. The company uses Norton security solutions to protect their customers from phishing attempts, viruses, and other forms of fraud. Moreover, the company’s data centers are protected with industry-standard measures for both physical and electronic servers. The company is very transparent about the information they collect from customers, and will not share any personally identifiable information without customers consent. Additionally, they are explicit about the reasons for collecting user data, as well as how they use it.

Payment Options

New users can test FreeScore360’s full suite of features for free with a 14-day trial. Membership includes a free 3-in-1 credit score report. Once the initial trial period ends, customers can simply continue their membership without needing to re-subscribe. Membership costs $39.95 per month and includes access to the company’s credit monitoring tools as well as an extensive educational center hosting a variety of useful interactive tools.

Deep Dive into Pros and Cons

We were impressed with FreeScore360’s overall service, although we did find some areas where the company could expand upon its offerings. We would have preferred to view a more informational website that goes into greater depth and detail about the available services. The company also does not offer any free educational resources, as they are all exclusive to subscribers. Additionally, customer support services could benefit from increased channels to make it easier for customers to get in touch.

There were several highlights during our review of the company’s service that helped overcome these minor drawbacks. We were appreciative of FreeScore360’s strong commitment to protecting users’ identities. The company’s credit monitoring and score tracking are also excellent tools for helping customers rehabilitate their credit standing. Finally, we were happy to see such an extensive array of fraud deterrence and recovery tools for customers who become the victims of identity theft or credit fraud.

Freescore360 support

Help & Support

To contact FreeScore360, customers can fill out an online email form through the company’s website or alternatively send mail through traditional post. We would have liked to see more channels of communication, such as a toll-free telephone line or live chat. Via email, we found that representatives were well-prepared and capable of answering all our queries efficiently. The company generally responds to emails within 24 to 48 hours.

Final Word

All told, we found FreeScore360 to be an intriguing alternative for credit monitoring. The company offers a streamlined yet powerful credit reporting tool that enables customers to protect their identity while actively working to improve their credit. With strong fraud deterrence tools that include identity scans and alerts, daily monitoring, and monthly updates of credit reports and scores, the company is an ideal solution for customers looking for a comprehensive, yet straightforward way to stay on top of credit alongside a hassle-free identify theft protection solution.

Visit FreeScore360

Physical address


4447 North Central Expressway,

Suite 110 PMB 406

Dallas, TX



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