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Frequently Asked Questions

Credit Scores

What is a credit score?
What is a credit score?
Your credit score is a number that represents your overall credit worthiness. How high - or low - your score is tells a potential lender how likely you are to pay back the loan you are applying for. Your credit score can affect a lender's decision to lend your money, or can even determine the interest rate of your loan. Knowing your credit scores lets you know where you stand with your own credit, and can help you make more informed financial decisions.
How are my credit scores calculated?
How are my credit scores calculated?
The credit scores provided with your FreeScoresAndMore membership are developed by CreditXpert®, Inc., an independent credit scoring company using advanced statistical techniques and sophisticated analytical methods. These credit scores are based on your data from the three major credit bureaus - Experian, Equifax and TransUnion. Although different from the scores lender use, they use the same credit bureau data and are intended to reflect common credit scoring practices.
What is considered a good score?
What is considered a good score?
Credit scores typically range from 350 to 850, and your score could differ from bureau to bureau, as creditors do not always report to all three. Generally, a good score is 750 or higher.
How often will my credit scores be updated?
How often will my credit scores be updated?
With FreeScoresAndMore, your credit scores are automatically refreshed every 30 days. Some credit score monitoring services provide just a single viewing of your scores, with refresh limited to quarterly or annually. It's important you check your scores at least once a month, as negative changes could indicate a problem with your credit standing. 
Do I really need to check all 3 credit scores?
Do I really need to check all 3 credit scores?
It is important that you know all 3 of your credit scores as they can vary widely. Checking your 3 scores based on your information from the top 3 credit bureaus can help you better understand your credit before applying for loans, jobs and insurance.
Will checking my own credit lower my credit score?
Will checking my own credit lower my credit score?
No, you may check your own scores as often as you like with no impact to your credit. It's a quick, easy way to stay on top of your credit based on the information at the 3 major credit bureaus.
Shouldn't my credit scores be the same or close?
Shouldn't my credit scores be the same or close?
Not necessarily. That's why checking all 3 of your scores is so important to managing your credit effectively. Since your information can be different across the bureaus, your scores can vary as well.

Credit Monitoring & Alerts

What is triple-bureau credit monitoring?
What is triple-bureau credit monitoring?
This valuable service is your first line of defense against credit fraud and identity theft. We monitor your credit files at the three major bureaus 24/7 to look for certain changes in your credit. Because information in your files can change day to day, vigilant daily monitoring of your credit files offers the best way to spot inaccuracies and fraud at the earliest possible moment.
Are there certain changes that monitoring looks for?
Are there certain changes that monitoring looks for?
FreeScoresAndMore will inform you of new inquiries into your credit files, new accounts opened in your name, public records added to your credit file like bankruptcies or judgments, change of address or other certain changes picked up in your credit files across the primary bureaus.
What is a credit alert?
What is a credit alert?
If daily monitoring spots certain changes to your credit files across the 3 major bureaus, then FreeScoresAndMore will notify you immediately. Alerts can be configured for text, email or phone.
What should I do when I get an alert?
What should I do when I get an alert?
You can receive an alert that is not necessarily a sign of fraud or ID theft. For example, you are applying for a loan and that inquiry into your credit file triggered the alert. You need do nothing in that case. However, if you receive an alert that indicates a change you are not aware of, you can call our toll-free Credit Information Hotline. One of our credit expert representatives will provide you with the support you need to assess the change and take action, if necessary.
Can I change how I receive my alerts?
Can I change how I receive my alerts?
Of course! Simply log into your account and click on "Credit Center". You can activate and manage your alerts in the "Daily Credit Monitoring" section.

Privacy and Security

How safe is it to enroll in FreeScoresAndMore with the online form?
How safe is it to enroll in FreeScoresAndMore with the online form?
To protect your personal information from unauthorized access and use, the FreeScoresAndMore website runs on a highly secure web server. Also, the SSL connection scrambles or encrypts data on pages where secure information is transmitted, further safeguarding your information while it passes through cyberspace. In addition, FreeScoresAndMore meets the requirements of both the VeriSign and Cybertrust security seals. If you prefer to join over the telephone, you can call toll-free 1-877-787-9002.
Why do you need my Social Security Number?
Why do you need my Social Security Number?
In order to access your credit files and confirm your identity at the credit bureaus, your Social Security Number is required in the enrollment process. Your SSN and other personal information are securely transmitted to the credit agencies.
What is the "authentication process"?
What is the "authentication process"?
The authentication process is required to complete your enrollment and verify your identity. You will be asked several short security questions before you can access your credit scores. Once your identity is confirmed, you'll receive a welcome email with your member information.
Why do I need to supply a credit card for my free trial?
Why do I need to supply a credit card for my free trial?
Your free trial is for the first 14 days of your membership. If you do not cancel after that time, all your benefits will continue and you will be charged $19.99 every 30 days thereafter. In order to process your order, a valid credit card is required so that your benefits are not interrupted in the event you do not cancel during your trial.

Membership

How does my free trial work?
How does my free trial work?
Just complete this easy online enrollment and you will receive a confirmation email with your member # and log-in information.  You can get your scores, set up credit monitoring and alerts, and much more.  After your trial concludes, you will automatically be billed just $19.99 a month until you cancel to continue protecting and managing your credit. You'll also have access to your credit scores that are updated every 30 days, tracking and more.
How do I access my account once I enroll?
How do I access my account once I enroll?
You will receive a welcome email after successfully enrolling in FreeScoresAndMore. It will have all the information you need to log into your account. You can also log-in from the order confirmation page. We also suggest that you bookmark our website to access your account via the "Member Login" button at the top right of the page.
I want to update my email address. How do I do that?
I want to update my email address. How do I do that?
It's important that we have your current email address to send you periodic communication about your membership, as well as credit alerts if that is your delivery preference. To change your email, simply log into your account and then click on "Your Account" at the top of the page.
Is my spouse included in my membership?
Is my spouse included in my membership?
No. If your spouse would like the same credit protection benefits, then a separate membership is required.
What happens if I forget my user name or password?
What happens if I forget my user name or password?
Don't worry! Simply click on the "Member Login" button and then click on the "forgot password" or "forgot username" link.
I have more questions. Who can help me?
I have more questions. Who can help me?
Our credit representatives are standing by to answer your questions and provide support. You can speak to a live representative with the toll-free Credit Information Hotline at 1-877-787-9002, or email us at service@freescoresandmore.com.
How do I cancel my membership?
How do I cancel my membership?
To cancel, call the toll-free number 1-877-787-9002 or email service@freescoresandmore.com or go to www. freescoresandmore.com

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