FreeScores&More Review

FreeScores&More is a thorough credit monitoring and identity theft protection service provided by PrivacyGuard, a pioneer in the industry since 1992 that protects over 7 million consumers' credit and identities. PrivacyGuard is endorsed by Frank Abagnale, the well-known author and authority on identity theft who has been associated with the FBI for over 30 years.

With up-to-date credit reports, credit scores and credit monitoring at all three credit bureaus, FreeScores&More keeps members "in the know." Advanced identity theft protection with proactive fraud surveillance for Social Security numbers and credit/debit card numbers helps members stay in control of their identities. In the event of identity fraud, FreeScores&More could provide up to $1,000,000 in identity theft insurance.

Overall Rating
4.8/5.0 Stars
4.7/5.0 Stars
4.9/5.0 Stars
4.7/5.0 Stars
4.9/5.0 Stars
To sign up for a 30 day free trial, visit FreeScores&More

The enrollment process is straightforward, collecting the general information (name and address) and security information (Social Security number and date of birth) needed to verify a consumer's identity with the three major credit bureaus. A valid credit card number is required, since services will automatically continue following the free trial, unless of course the client cancels them.

Authentication is a separate process required to access credit reports and scores. This involves answering a few basic questions based on information in the customer's credit report to ensure no one else gains access to the credit report.

Credit Reports, Scores and Updates

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Once consumers have completed enrollment and passed authentication, FreeScores&More grants them instant access to a 3-bureau credit report. This report allows customers to easily compare the data on file with Equifax®, Experian® and TransUnion®, while also viewing a credit score from each bureau. Included with each credit score is a report showing how the credit score ranks compared to the U.S. population along with positive and negative factors affecting each credit score. Credit reports and scores can be updated monthly at no additional charge.

Service Features

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FreeScores&More provides daily monitoring at all three credit bureaus. Members are alerted by email, text or phone when significant changes are detected including new accounts, address changes and inquiries (i.e. who is looking at a client's credit report). Monthly "all clear" notices are sent even when there are no threats or changes, encouraging members to rest assured that their credit files are being monitored.

Monthly score tracking of a single-bureau credit score helps members keep abreast of their credit score over time. Members can set alert preferences for a target score, score range and/or risk level.

FreeScores&More proactively scours underground portals on the Internet looking for compromised Social Security numbers. When a risk is discovered, FreeScores&More quickly alerts the member so steps can be taken to prevent misuse.

Members can initiate credit report disputes by phone with a FreeScores&More representative or by downloading a dispute form.

To sign up for a 30 day free trial, visit FreeScores&More >

Extra Services

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Recognizing the importance of accurate driving records for insurance and employment, FreeScores&More reimburses members for the cost of obtaining their driving record. FreeScores&More also reimburses members for the cost of obtaining their Medical Information Bureau file as a proactive step to guard against medical identity fraud.

A FreeScores&More neighborhood report provides information on demographics, crime rates, housing data and more for neighborhoods across the United States.

In the event of identity fraud, FreeScores&More assigns a dedicated caseworker to assist in the credit restoration process.

Members may register credit and debit cards as well as important document information for easy retrieval from a central location. Additionally, members may request emergency cash and an airline ticket home when a card is reported lost or stolen. (Members must be at least 100 miles from their homes. Cash advances and tickets are charged to the credit cards on file with FreeScores&More.)

A FreeScores&More membership includes Norton™ Internet Security Online as part of its identity protection service. This security software offers protection from viruses, spyware, phishing and SPAM. (This software is not currently available for Macintosh computers.)

Recognizing that shredding documents helps preempt identity theft, FreeScores&More offers members a $50 rebate off any shredder purchase.

Customer Service

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FreeScores&More customer service associates are available toll-free Monday through Friday from 9 a.m. to 10 p.m. EST and Saturday from 9 a.m. to 5:30 p.m. Members can also submit customer service inquiries any time day or night by email.

After a 30-day free trial, the monthly cost is $14.99. FreeScores&More will not charge members anything if they cancel their memberships within the free trial period.

FreeScores&More offers credit monitoring and identity theft protection in one convenient package. Credit reports are monitored daily at all three credit bureaus with alerts available by email, text or phone. Combined with extra features including $1,000,000 in potential identity theft insurance and emergency cash and travel assistance, FreeScores&More is a good value for consumers wanting peace of mind for their credit, identity and life.

Service Highlights
• 3-bureau credit report and scores
• 3-bureau credit monitoring with alerts
• Monthly credit report and score updates
• Credit score tracker
• Reimbursement for obtaining driver record
• Reimbursement for obtaining medical file
• Neighborhood reports
• Anti-spyware and anti-phishing software
• Emergency cash and travel assistance
• $1,000,000 identity theft insurance
• Dedicated case workers for identity victims
• Lost/stolen card reporting assistance
• $50 rebate on any paper shredder
Contract Term
• Month-to-month
To sign up for a 30 day free trial, visit FreeScores&More >
top 5 editor
Nancy Beyer
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*our rankings

The rankings and ratings expressed on this page are the opinion of and are subject to change due to popularity, price, special offers, current events and other factors related to each ranked company. Our reviews and rankings are designed to help consumers make informed purchasing decisions. We accept compensation from reviewed companies in order to provide our users with this free valuable service.

credit score statistics
  • 693 is the average US credit score. At 713, the New England states had the highest average credit rating by region. The lowest average by region belongs to the West South Central region (Louisiana, Texas, Oklahoma and Arkansas) at 673.
  • There are 202 million files maintained by the three major credit bureaus—Equifax, Experian and TransUnion. Of these records, about 172 million of them contain enough information to create a credit score.
  • Of people with enough information to have credit scores, 35.5% have subprime scores (500-649), 57.5% have prime scores (650-749) and 7% have superprime scores (750+)
  • 65.6% of US adults say they are worried about identity theft or fraud. 50.6% of US adults either have, or know someone who has, been a victim of identity theft.
  • Source: