GOFreeCredit.com Review

In a nutshell: A straightforward way to monitor credit scores and prevent identity theft at an affordable monthly rate.




Receive a credit report for $1 with 7-day trial

No educational resources

Easy-to-use web dashboard

Alerts only sent via email

Visit GOFreeCredit.com


What About Fraud Deterrence?

For users looking to protect their identity, GOFreeCredit offers some useful deterrence tools. The company provides daily three-bureau monitoring for all users, which includes sending timely notifications whenever suspicious activity is detected. Customers who sign up can immediately review their TransUnion credit report to inspect all the entries. Moreover, they gain access to some of TransUnion’s useful tools which include Credit Lock. This function authorizes customers to lock their credit reports if they identify irregular activity or suspect fraud. Customers who believe fraud or identity theft has compromised their accounts can receive assistance directly from the company. Furthermore, GOFreeCredit offers up to $1 million in identity theft insurance to help cover the costs of recovery.

ClickFreeScore at a Glance

Based out of El Segundo, California, GOFreeCredit.com is one of the largest growing consumer financial services sites online. The company focuses on delivering credit reporting and monitoring tools to customers as well as some identity theft protection. GOFreeCredit has been operating for 13 years and during that time developed a reputation as a reliable and easy-to-use solution for monitoring. The company currently holds a B rating from the Better Business Bureau alongside favorable reviews from several top industry authorities.

Best for Whom?

Thanks to an intuitive interface and an affordable rate, GOFreeCredit.com is a useful tool for several potential types of users. The company’s single subscription fee offers customers an uncomplicated way to track their credit scores and reports from month to month. Apart from scanning and monitoring, the company’s no-frills tools present an effortless way to keep track of credit reports and ensure they are accurate. If an inaccuracy is spotted, users can easily dispute any erroneous items on their TransUnion reports. Aside from these benefits, around-the-clock three-bureau monitoring grants peace of mind thanks to set-it-and-forget-it deterrence tools. With up to $1 million in identity theft protection, customers can also rest assured that even in the worst of cases, they will still be protected.

Features and Services Offered

We uncovered several excellent features extended by GOFreeCredit.com for both monitoring and identity theft protection. The company offers standard around-the-clock monitoring for all three major credit bureaus alongside email notifications for any critical changes made to any of the three reports. For customers seeking a full three-bureau report, all new members are entitled to a full copy after signing up for GOFreeCredit’s $1 7-day trial. In addition, subscribers gain access to their TransUnion report on a more frequent basis, empowering them to easily notice inaccuracies or areas for improvement. Customers searching for identity theft protection can relax knowing they are covered by up to $1 million in insurance should their worst fears materialize. The company is also happy to help customers who fear they have become the victims of fraud by guiding them through the identity recovery and restoration processes. On top of these benefits, a subscription gives customers access to many of TransUnion’s credit monitoring tools including the handy Credit Lock.

Highlights for GOFreeCredit.com

  • Receive email notifications for critical changes to credit reports

  • Up to $1 million in identity theft insurance

  • Unlimited access to TransUnion credit reports and scores

  • $1 three-bureau report upon sign up for 7-day trial

  • Easy-to-use web dashboard

  • Access to TransUnion monitoring tools

  • Around-the-clock three-bureau monitoring

  • Fraud assistance available for customers

Monitoring Utilities

Customers seeking monitoring will appreciate GOFreeCredit.com’s uncomplicated solution. The company provides around-the-clock monitoring for all three major credit bureaus and sends timely notifications via email if any critical changes are made to reports. After registering for the $1 7-day trial, users are eligible to receive a full three-bureau credit report and scores. For those individuals seeking more consistent access to their reports, GOFreeCredit also provides unlimited availability for TransUnion reports and VantageScore. Customers also benefit from some of TransUnion’s additional monitoring and protection tools, including Credit Lock, which enables individuals to freeze credit reports if fraud is suspected. Members on the go can also retrieve their credit reports from internet-connected mobile devices via the TransUnion application.

Exclusive Tools: TranUnion Access

One of the best value-added benefits customers receive when they sign up for GOFreeCredit.com is the gateway to TransUnion. As one of the three major credit bureaus in the US, TransUnion offers users excellent tools and the ability to track their reports as closely as they like. All subscribers receive a free three-bureau report and scores when they sign up. The best feature though is the unlimited access to TransUnion credit scores—provided by VantageScore—and reports that come included with a subscription.

Besides these helpful features, customers also gain access to some of TransUnion’s outstanding monitoring and identity theft protection tools. Credit Lock allows users to freeze their credit report at any time with a simple click if they suspect they have become the victims of fraud or identity theft. Another beneficial aspect of the service is unrestricted use of TransUnion’s helpful mobile application, which encourages users to take their credit reports and monitoring with them on the go. Finally, subscribers are entitled to up to $1 million in identity theft protection.

In addition to TransUnion access, customers can also contact GOFreeCredit.com if they suspect their identity has been stolen. The company can offer members guidance during the fraud recovery and restoration process. Apart from this assistance, the company is readily able to inform customers on the process for disputing and removing erroneous claims from credit reports.

How Safe is It?

As evidenced by the page on their website dedicated to security, GOFreeCredit is serious about the safety of customer information. The company offers users several safeguards for their personal details including industry-standard security measures at all their data centers. The company does connect users to third parties, but they require that all partners have the same commitment and standards for security. Other than the measures they take to protect stored data, all communications are encrypted using robust methods. The company does collect some private information that is shared with third parties, but customers are always notified and GOFreeCredit is very transparent about these practices.

Payment Options

One of the major benefits of GOFreeCredit.com is their straightforward pricing structure. Customers that sign up for a 7-day trial that costs $1 are qualified to receive a full three-bureau report and credit scores alongside the use of all the company’s tools. Once the trial period has concluded, GOFreeCredit’s services cost $19.95 per month for all the features with no hidden charges or extra fees.

Deep Dive into Pros and Cons

There are some areas where GOFreeCredit.com can improve their service offerings. We would like to see some educational resources to help customers better understand their credit reports and personal finances. Additionally, the company could add more channels of communication for support. GOFreeCredit might also include more specific information on the services they provide to help potential users better understand the value of this solution.

We found some areas where the company truly stands out. Their monitoring services offer unlimited access to TransUnion reports and scores, letting users track their progress day to day and visualize how they are gradually improving. Access to TransUnion’s Credit Lock and mobile application are also excellent features designed to help stop threats in their tracks. We were also happy to see that the company offers up to $1 million in identity theft insurance and around-the-clock three-bureau monitoring as standard services.

Help & Support

Customers looking for help can contact GOFreeCredit.com via email. The company does not offer support via telephone, but we found that staff responded to our online queries quickly and professionally. Members seeking quick answers can find responses to common questions available in the company’s FAQ section.

Final Word

Thanks to an easy-to-use service at an affordable rate, GOFreeCredit.com is a strong solution for customers searching for credit monitoring and reports. The company gives users a $1 three-bureau report upon signing up for their 7-day trial, alongside unlimited access to their TransUnion credit report and scores. The company’s monitoring tool sends customers email alerts for any critical changes and helps customers discover erroneous items without difficulty. Finally, up to $1 million worth of identity theft insurance combined with access to TransUnion’s Credit Lock make GOFreeCredit a useful tool for those individuals pursuing fraud deterrence. Overall, GOFreeCredit.com presents a positive solution for customers in search of a no-frills and reliable solution for credit monitoring.

Physical Address


1700 E. Walnut Avenue 2nd Floor

El Segundo, CA


Visit GOFreeCredit.com

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