About FreeScore^SM

FreeScore is one of the country's biggest providers of credit reports, credit scores, and information about the consumer credit world. As a premium offer, FreeScore provides credit report access and free credit scores to consumers who elect to try the program.

Since its inception in 2008, FreeScore has delivered personal credit information via its secure, online portal to hundreds of thousands of consumers across the nation. As a result, more and more individuals have access to the tools and information they need to take greater control of their financial situations.

If you've seen FreeScore commercial, starring Ben Stein and Filbert the squirrel, you probably know it describes the perils of life for people who aren't familiar with their credit scores or the information in their credit reports. You can see how FreeScore commercial was made and take a look behind the scene. If you haven't seen the commercial (or you simply want more information about the program), below is an overview of the benefits of FreeScore.com.

Do you want to test your credit knowledge? Then you must take our Credit Quiz.

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The Benefits of the FreeScore Credit Report and Score Service

So how does FreeScore.com benefit its members? How does it compare against the overwhelming number of companies that offer credit report and scores? Let's start by reviewing the most prominent FreeScore benefits.

Credit Scores

FreeScore members can access their credit scores from all three major credit bureaus — TransUnion, Equifax, and Experian — whenever they want or need them.

Members can check their credit scores when they're considering a major purchase — a home, a car, a major home renovation, or maybe a 300-foot yacht. By checking before committing to a purchase, they can avoid being charged the higher interest rates that people with low credit scores typically receive. Because they see the same scores that potential lenders will check, members can time their purchases for when their credit scores are at their highest.

Employers can use credit scores and reports when making hiring decisions (although some states ban this practice unless the job position is in the financial field or another sensitive area), and landlords often use them as part of the rental application process as well. It's therefore a good idea to check one's credit scores before deciding to change jobs or look for a new place to live, and FreeScore.com members can check at any time.

What if their credit scores are low? In that case, members can check their …

3-in-1 Credit Reports

The information in a credit report is what determines a person's credit score, which is basically an up-to-the-moment rating of a consumer's credit history over the past seven to 10 years. But credit reports can have errors in them, through no fault of the consumer.

With unlimited access to their 3-in-1 credit reports — a single, easy-to-read report containing the information from all three bureaus — FreeScore members can check the information in the reports against their own statements from their bank, credit card issuer(s), and other revolving credit accounts. If a member finds an error that's dragging down one or more credit scores, he or she can contact the agency and the creditor to resolve the problem, a much better alternative than letting the error go undetected and undisputed indefinitely.

Of course, a person's credit report(s) will change with every new credit-based transaction or account payment (made or missed) reported to the credit bureau(s). That's why FreeScore.com offers consumers …

Credit Monitoring Services

Whenever a change occurs to a FreeScore member's file at any of the three credit bureaus, that member will receive an e-mail alert to notify him or her of the change. While the vast majority of alerts typically involve transactions or payments that the member can easily recognize, sometimes the change in a member's file could be due to some sort of credit fraud or identity theft scam. FreeScore.com members can therefore use the credit monitoring service as an early-warning detection system for such scams.

The credit monitoring service can also benefit FreeScore members whose credit ratings need improvement. Members can track the information being added to their reports, gauge whether it will raise, lower or do nothing to their scores, and then take steps to firm up their scores as needed.

Those are the major credit benefits provided by FreeScore: credit scores, credit reports, and credit monitoring. But wait, there's more:

Kroll's Identity Theft Restoration Service provides FreeScore members who've been scammed by identity thieves with professional assistance in restoring their identities. This help includes combing a variety of databases for additional signs of identity theft and working with companies to restore the member's identity to its pre-theft status. Identity restoration can be a complicated, time-consuming process, but with the help of restoration professionals, members can cut through the bureaucratic mazes more quickly and more effectively than they might otherwise do on their own. The only thing a member has to do to receive this benefit is activate it before an identity theft incident occurs.

FreeScore's Locksmith Rebates offer members up to $100 a year ($25 per quarter) if they need to replace or repairs their locks. Members can simply send in their proof of purchase and a Locksmith Rebate certificate to receive their rebates. This is a complimentary benefit for FreeScore members.

The Lost Key Return Service from FreeScore provides members with individually-coded key tags that they can attach to their keychains. If the keys are lost, whoever finds them will be instructed to simply drop them in a mailbox. From there, they'll be sent to a key retrieval center, which will then contact the member and return the keys. This too is a complimentary benefit for FreeScore members.

Members can also order a complimentary Your Family Records Organizer, a CD-ROM from Kiplinger's. This handy program that allows members to record and catalog the vital information, including account numbers and locations, of family documents (like wills), property deeds, insurance policies, financial data, medical records and other important papers.

Finally, members can request a Social Security Statement through FreeScore. These statements are free of charge to every U.S. citizen, of course, but FreeScore provides members with easy access directly to the order page on the Social Security Administration website.

As you can see, FreeScore offers way more than just a credit score and a credit report to its trial members. It's designed to help consumers take a disciplined approach to their financial behavior, their financial history — and their financial future. If that interests you, start a FREE trial membership now.