MyScore Review

By Kevin Mercadante

 

MyScore is dedicated to providing their members with all the tools needed to control and effectively manage their financial future. One of the first steps in this process for many people will be obtaining a copy of their credit report and score. At their website, they give you the chance to instantly access all three of your credit reports from Experian, Equifax, and Trans Union. They also offer access to continuous monitoring of each credit file, along with automated alerts and other powerful tools to help ensure you never become the victim of identity theft or any type of fraud.
 

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Features & Highlights

The first feature offered by the My Score website is nearly instant access to all three of your credit reports and scores. This is handled completely online; once you sign up and verify your identity you will be able to access your reports from a very useful and secure system. Unlike a lot of other pretenders in this field, you will also see your actual credit scores, calculated on the basis of data actually pulled from your reports. On top of this, your new membership also includes ongoing monitoring of all your credit files. In this way you not only will immediately have the chance to discover and fix any possible errors but also be alerted whenever anything significant changes in your credit profiles. Since all of this is handled online everything is completely automated.

Receiving alerts is one thing; knowing what to do with them is another. This is why only MyScore also offers a free bonus fraud consultation with a credit expert. This way you can actually discuss your specific situation and receive accurate advice. Learn how to place fraud alerts on your files, or contest incorrect information. In short, learn what to do for every situation that could possibly arise.

Sign Up Process

Joining the My Score site is also painless. You will simply need to follow along for 2 or 3 screens of data. This really just includes some basic contact and other personal information. You will also be required to enter in either a credit or debit card since the initial access to your credit reports costs $1. Be prepared to enter in your phone number and social security number. Do not worry, since the system used is completely secure. The company encrypts all customer data using the highest level of 128-bit SSL technology. Additionally, you will need to verify your information by answering a few multiple choice questions.

Pricing Concerns

The aim of the service is to offer you total protection and help you find peace of mind. To get started you only need to invest a single dollar. This will not only allow full access to all three credit reports and scores, but also will enable a trial of the complete system. Get in there and learn about setting up some credit alerts, find out how the monitoring service works, even take a look at some of the educational materials. The ongoing membership starts at the conclusion of your trial period and only costs $29.95 each month. Most people find this to be cheap insurance.

Customer Support

There are several ways to reach customer support at MyScore. The contact us page has an online form for sending an email, which is normally answered fairly quickly. If you would prefer a more immediate reply, feel free to make a toll-free phone call. The company also has a helpful FAQ section along with the ability to connect over social media such as Facebook, Twitter, and YouTube. There is also a credit learning center that anyone can access.

Ease Of Use

The user interface behind the MyScore site is very intuitive. In fact, if you can point, click, and use a computer in general then you will have no problem. The default section after log in is your actual credit reports. By the way, scores are updated monthly and you will receive a notice whenever this happens. From here, drill down into the details of your report, or follow the explanations on how to perform other common functions.

Bottom Line

In addition to offering three bureau report access the MyScore service has tons of free extras. This even includes 24/7 roadside assistance. Plus, your monitoring and alerts help you to maintain control over your credit.

Contact Information:

2385 NW Executive Center Drive Suite 100

Boca Raton, FL 33431

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  About Kevin Mercadante

 Kevin Mercadante is a freelance professional personal finance blogger,
 and the owner of his own personal finance blog, OutOfYourRut.com. He
 has extensive backgrounds in both accounting and the mortgage industry.
 Follow Kevin on Google+.

 

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