FreeScoresUSA Review

By Kevin Mercadante


Having a good credit score is one of the most important things that can advance your financial future. Unfortunately, most people do not have any idea of what is on their credit report. is committed to changing this. They will enable you to see all three of your credit scores and reports along with an excellent monitoring service. Together, these will help you to understand exactly what your credit situation is and how to remain in control of your credit situation.


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Features & Highlights

The main benefit of this service is that members receive instant access to all three of their credit reports. This also includes your credit scores so that you will have an accurate idea of your exact situation. This is very helpful in determining if any incorrect information listed on these reports has been costing you extra money in terms of higher interest rates and other fees. On top of this, members also receive ongoing monitoring of their credit files. This is helpful in determining if there is ever any type of fraudulent activity going on since some of the first things identity thieves will do is attempt to change addresses, open up new accounts, and/or make additional credit inquiries. If any of these occur, you will instantly be sent an alert so that the appropriate action may be taken to prevent any damage to your good name.

The site itself also provides additional helps and features. You may get in touch with actual credit professionals to answer questions you may have. There is also a lot of information that explains in detail how credit works and what to do in a variety of situations to improve standing. Plus tons more.

Sign Up Process

Signing up for the Free Scores USA service is very straightforward. You will need to include a credit or debit card (all major payment methods are accepted) even though there is an initial free offer. You will also be required to submit some personally identifiable information like your social security number, telephone and address. Of course, this information is all encrypted and securely protected from the moment it enters the online system. Also, be sure to verify your identity by answering a couple of quick multiple choice questions created by the data pulled from your credit reports.

Pricing Concerns

The bottom line question is how much is such protection worth to you. Since the service even gives you a 7 day free trial, there should not be any question of learning how to use the system; you will receive full access for those 7 days. After this period, your card on file will be charged the normal $29.95 monthly fee. There is no contract and you may cancel at any time. But, with the ability to access your credit reports anytime you wish, 24/7 continuous monitoring, and even automated email alerts, why would you ever end such a valuable service?

Customer Support

Considering that initially this is a free service, you might not expect much in the way of customer service. However, the website does include a very helpful list of frequently asked questions and answers. There is also the chance for anyone to send an email by filling out the form. The company indicates responses will take 24-48 hours, but it is usually much quicker. Members, of course, have access to toll-free phone support as well.

Ease Of Use

The credit reports that you will receive after signing up are incredibly comprehensive. Members will have the ability to click on specific areas and see pop up information that actually explains more about why and how this category affects the overall credit score. The interface is also very intuitive with one-click options for doing just about everything including setting up alerts and even looking over articles to help build your credit and financial knowledge.

Bottom Line

FreeScoresUSA has developed a very helpful and powerful resource. Everything you will need to build and maintain good credit is included here, from access to all three reports to monitoring and automated email alerts.

Contact Information:

4447 North Central Expressway
Suite 110 PMB 406
Dallas, Texas 75205

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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, He
 has extensive backgrounds in both accounting and the mortgage industry.
 Follow Kevin on Google+.


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