Review – Is it a SCAM?

Check Free Score ( is a designated credit monitoring platform that functions by allowing individuals to monitor their credit reports. Working in accordance with TransUnion, Equifax and Experian, Check Free Score provides consumers with incentive based memberships that enable them to monitor their credit with increasing control. While in theory Check Free Score appears to serve as the ultimate platform for monitoring your credit, recent consumer feedback has exposed some unnerving reports of unsatisfactory business practices.

As we guide you through our unbiased review, we will conduct thorough research into the mechanics of Check Free Score while laying out all the needs-to-knows. Learn for yourself whether Check Free Score is a trustworthy credit monitoring operation or if it is a hoax ran by deceptive thieves.

What Exactly is Check Free Score?

Check Free Score is an online credit monitoring service that enables consumers to oversee their credit report through TransUnion, Equifax and Experian credit bureaus. Consumers who wish to possess more control over the safety of their credit are able to enroll with 24/7 credit monitoring, custom email alerts and credit report consultation services. Working in accordance with 3 major credit bureaus, Check Free Score encompasses a large scope of monitoring services which are difficult to find elsewhere.

Who is Responsible for Check Free Score? is owned and operated by CSIdentity Corporation, Experian and TransUnion Interactive. Created in early August of 2016, Check Free Score was founded and is operated by the 3 credit bureaus that currently support their operation. While no main office location is disclosed on their site, a mail customer service has been established and can be addressed at:, RE: Customer Service, 5100 Buckeystown Pike, Suite 250, Frederick, MD 1704. For more immediate assistance, Check Free Score representatives can be reached at (855) 504-5868.

How does Check Free Score Work?

Check Free Score offers consumers 3 different membership packages that each come with various perks. While memberships are based on reoccurring monthly payments, the main attraction of this site would be the $1 7-day trial that is offered to new consumers visiting the site. Disclosed below the memberships available at Check Free Score along with the incentives they offer:

Basic Credit Membership

  • $9.95/Month
  • Daily Equifax Credit Report & Score
  • $6.95 Experian Credit Report & Score
  • Daily TransUnion Credit Report & Score
  • 24/7 Roadside Assistance and Minimum Rewards
  • Custom Email Alerts and Credit Fraud Consultation

Premium Credit Membership

  • $29.95/Month
  • Daily Equifax Credit Report & Score
  • Daily TransUnion Credit Report & Score
  • Unlimited Experian Credit Report & Score
  • 24/7 Roadside Assistance and Average Rewards
  • Custom Email Alerts and Credit Fraud Consultation

Ultimate Credit Membership

  • $39.90/Month
  • Daily Equifax Credit Report & Score
  • Daily TransUnion Credit Report & Score
  • Unlimited Experian Credit Report & Score
  • 24/7 Roadside Assistance and Maximum Rewards
  • Custom Email Alerts and Credit Fraud Consultation

Important Note: Failure to cancel your trial membership before their set billing date and you will automatically become enrolled in their Ultimate Credit Membership, no refunds are offered.

Community Feedback

Although Check Free Score appears to be a popular credit monitoring destination, that hasn’t stopped them from allegedly conducting shady business practices. Among the chief complaints we found regarding Check Free Score would be early billing cycle charges from users trying the free trial period or failure to acquire their credit scores.

Check Free Score Spec Report

  • Created on August 8th, 2016
  • Operates as a credit monitoring platform
  • Supported Bureaus: Experian, TransUnion & Equifax
  • Over 500,000 monthly visitor average over past 6 months
  • Representatives available 7 day a week at (855)-504-5868
  • Jointly owned and operated by TransUnion Interactive Inc, Experian & CSIIdentify Corp.

Can be Trusted?

While some negative consumer feedback paints a troubling image regarding Check Free Score, we still believe their platform to be trustworthy due to how popular they are and the verified entities who own and operate If in the future more troubling feedback is to surface, we will surely voice their feedback and make any needed alterations to this review if necessary.

Popularity had a SimilarWeb global rank of 74,941 and a US rank of 13,676 as of January 20th, 2018. Approximately 90% of the sites visitor traffic is US based while over 57% of all traffic is referral based. Last month Check Free Score experienced an increase in total visits by 11.73% enabling them to support over 803,000 visitors last month. Review Conclusion

Check Free Score is one of the most reputable credit monitoring platforms that functions with not one but with 3 major credit bureaus. Take control over your credit by participating in the $1 7-day trial and decide for yourself whether their platform is suitable for your credit monitoring needs. If you are unsatisfied with your experience, then make sure you cancel your membership prior to the fixed billing date otherwise you will automatically become enrolled with the Ultimate Credit membership.

Update March 1, 2023

Two days ago, on February 25, 2023 we received the following complaint:

I visited but now I am unable to log back in. The website redirected me to spam sites offering personal loans, and now I am concerned that my account information has been compromised.


  1. Emanuel Thomas

    Please stop trying to charge my account

  2. Donna Shroyer

    I went to to get my 3 credit scores and they charged my debit for $1 to verify who I am. I could only access one as it kept showing that the other two were unavailable. Now a week later and I saw a charge for $39.90 on my debit card that I didn’t authorize so I cancelled my debit card and I am disputing the transaction. I called the company and they tried to claim that I had accepted the ultimate membership and I informed them that I had not and I kept getting the runaround and they refused to issue me a refund! They are 100% a SCAM so I contacted the FBI and reported the website

  3. John Stewart

    Chime text me to see if I made a transaction to checkfreescore, reply back yes or no. I then have 1hr to make the transaction if I answered yes. When I looked at the amount it was $4.95 I didn’t see any services for $4.95 any were on there advertisement. Now there steeling every nickel they can get there evil mits on. I’ll have to get my card changed. I’m sure they’ll keep making a run at me. BBB I’ll file a complaint also. I started reading all the reviews and got a sick feeling in my gut. I’ve been scammed before. Im on disability and get multiple things through the net. I just got a new card last week.i think they should outlaw recuring subscription.thats how they always get me. Sometimes fefund other times BS. Sorry for venting.

  4. sean

    Absolute SCAM. If you think you managed to stop them from charging your acct think again. They will start charging you smaller amounts using third party vendors. My,, How is there no class action lawsuit against these thieves?

    • RAP

      Complete scam.
      I used the site to get my scores for an apartment.

      This is the only site I have used this card on.

      Canceled and I was charged over 3K for something else. Luckily this was a prepaid card with no more than a few bucks on it. Will be calling it in for retribution.

      • Dale

        Same with me. I cannot log in to cancel. I call customer support and get put on hold. I’ve been on hold for over an hour. Total scam.

  5. Allison Dark

    This company keeps taking money from my account and I call to cancel and they continue to try and sell me this crap. They tell me they have no phone calls on file where I have requested to cancel, this company owes me over $100!

  6. Randall Cruse

    How in Gods name can a company stay in business ripping people off…..Welcome to America where the legal system protects criminals

    • Christina Nelson

      I don’t know how you all got my cash app card info, but I know this much I have looked for an account in my name and can’t seem to find one but I had literally just borrowed money for my baby’s medicine for today, and I checked my balance on cash app at 6 am and you all had already managed to take 39.90 out of my account leaving me a whole $8 bucks to get his meds that he desperately needs. This is completely uncalled for. I can’t get this charge cancelled bc of no apparent account, so how on earth am I supposed to get my money back? I need it back ASAP. I read some shady stuff on here about no refunds. I never asked for a subscription to begin with. This has to end. Y’all tried 26 times to charge my card and couldn’t get payment bc I didn’t have it. At what point do you boneheads think gee hum, wow she just might be broke so we’ll leave her alone? I know for a fact that you repeatedly attempted to charge my account and when I tried to cancel this said account cannot be found. And now I have to wait until 9 am to speak to someone. I’m absolutely disgusted with y’all and I’ll let everyone know what a rip off u are and pursue legal charges bc this is bs. If I had an account I should at least be able to find it so I can cancel it if I wanted to and that has not been the case for me.

      • Aimee

        SCAM. Checkfreesco are CRIMINALS.
        I’m so sorry this happened to you too. They tried to take $39.95 numerous times from my card! It’s ridiculous that no one is stopping them. Locking your card might help for now. I locked mine so they couldn’t take it but they keep trying! I’m afraid to unlock my card to use it for necessities. We all have to file a legal claim.

  7. Michael

    I’ve used their services twice in the last 2 years, and my observations will be simple statements of fact. I used them to get free copies of my credit reports, and I was able to successfully cancel my subscription within 7 days, (after an annoying phone call trying to get me to stay on as a customer). Salesmanship is ok. I understand that marketing concept. What is UNACCEPTABLE in my opinion, is that when you register, they IMMEDIATELY and without permission, sell your email address, and the junk mail will start rolling in within 24 hours. I closely monitor all of my email accounts, and the 2 accounts that I used for this service over the last 2 years are now almost unusable due to the ridiculous amounts of junk mail. It is the same junk mail going to both account, even a year later, and it happened in both cases to both accounts, within 24 hours after I registered for this company’s services. Buyer beware.

    • Tay

      How did you cancel before your 7 days was up. Where do you find the cancel opition.?

  8. Jerry Hicks

    I have been getting the run around and cannot cancel my account in the require 7 days. Looks like they are trying to keep giving me the run around until the 7 days is over. I do not remember signing up the account in the first place. I not sure what I can do but I am going to talk with my credit card people to see if they can help and not make the payment to scammers

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