ScoreSense offers convenience and peace of mind by giving its members continuous access to their latest credit reports and scores, comprehensive identity protection, and updated reports of the registered sex offenders living near them. Here’s a few of the key features that ScoreSense members have access to:
No, checking your own credit reports and scores will not hurt your credit. In fact, you should regularly check your credit to be sure it does not contain potentially harmful errors or fraud. Enrolling in a credit monitoring service like ScoreSense makes it easy to review your latest credit reports each month.
When you sign up for ScoreSense, you receive a free trial, which is typically 7 days but can vary based on special promotions and offers. During the free trial period, your credit or debit card will not be charged. Once your free trial has ended, your credit or debit card will be charged the monthly membership. Therefore, if you do not wish to be charged, you must cancel your membership before the free trial period ends. Your credit or debit card will be charged for each month that you stay enrolled as a ScoreSense member.
You can cancel your ScoreSense membership by calling us at 1-800-972-7204 (Monday through Friday 8 AM – 8 PM CST, Saturday 8 AM – 5 PM CST, or Sunday 12 PM – 6 PM CST). Your credit or debit card will not be charged if you cancel during the initial free trial period. You have the option of enjoying the benefits of ScoreSense for as long or as short a time as you like.
Reactivating a cancelled membership is simple. Just call us at 1-800-972-7204 (Monday through Friday 8 AM – 8 PM CST, Saturday 8 AM – 5 PM CST, or Sunday 12 PM – 6 PM CST).
Your security is our top priority. ScoreSense is encrypted using 128-bit SSL (Secure Sockets Layer) technology.
As a ScoreSense member, you’re able to check your credit reports and scores as often as you like, dispute errors on your credit report, view threats we have detected to your identity, see details of the sex offenders living near you and more. Start at the ScoreSense Dashboard, where you have easy access to all of the ScoreSense features. Look for the "?" icons and "Learn More" links to help you get the most out of your ScoreSense membership.
If you forget one of your login credentials, simply visit the Forgot Username or Forgot Password links found under the login fields on the Home page.
Just call us at 1-800-972-7204 (Monday through Friday 8 AM – 8 PM CST, Saturday 8 AM – 5 PM CST, or Sunday 12 PM – 6 PM CST).
ScoreSense makes it easy to access your latest credit reports and scores. Your most recent scores are displayed on the ScoreSense Dashboard, or you can view your Credit Report for more detailed information.
Your ID Score is a number between 1 and 999 that tells how at-risk your identity is for fraud. Members can see their score and learn more about what it means by viewing their ID Score Report.
Your Identity Report is where you can view potential threats to your identity that ScoreSense has discovered. We scour the internet, payday loan records, criminal and public records, and more to detect fraudulent use of your personal information.
Our handy tools chart your past credit history and simulate potential future scores. Both features can be accessed on the Credit Scores page. Each month that you access your latest credit scores, ScoreTracker plots them on a chart so you can see your credit score progress. Use ScoreCast to see how your credit score may respond to a significant financial event, like taking out a new loan, paying down debt, or missing a payment.
When important changes happen to your credit, when we detect new threats to your identity, or when a new sex offender moves into your neighborhood, you will receive an alert notification via e-mail. You can also view all of your alerts at anytime by visiting your Alert Inbox.
The action you should take depends on the type of alert you receive. Next to the details of each alert, you’ll find links that lead to helpful information and tips for further action.
You should regularly review your credit reports and scores so that you know what to expect when shopping for the best deals on new loans and lines of credit. A good credit score can save you money by helping you qualify for low-interest mortgages, car loans, and credit cards. Lenders are more likely to offer lower interest rates to those with high credit scores, because they signify a history of good credit behavior. Low interest rates mean you pay less in interest each month on your credit cards, cars, home, and personal loans. These savings can mean you pay hundreds or even thousands less to your creditors each year.
Having good credit saves you money even if you aren't applying for a new loan. It can help you get that great deal on an apartment, that high-paying job you interviewed for, and lower car insurance and life insurance premiums. It can also keep you in the good graces of your existing creditors, making it less likely that they'll ratchet up your current interest rate.
The key to determining your eligibility for credit is assessing how you’ve handled past credit obligations. Your credit report provides potential lenders, service providers, employers, and other authorized parties with information about your credit history. A deep understanding of your credit report can help you to use credit responsibly and be able to identify errors that may impact your creditworthiness. Since creditors report your credit activity to the reporting agencies frequently (generally monthly), it is important to review your credit reports and scores often. Keep in mind that there are lots of free credit report tools out there, but none of them offers the ability to track, update, and forecast your credit scores.
Your credit report contains personal identifying information, account history and current payment status, employment history, public records in your name, and a list of those who have checked your credit (called credit inquiries).
Most consumers have three credit reports in their name—one from each credit reporting agency (TransUnion, Equifax, and Experian). ScoreSense provides you access to the information that all three credit reporting agencies keep on file for you. You can refresh your credit reports and scores with ScoreSense every month.
Credit reports containing mistakes and information that doesn’t belong to you can cost you money and time. You should dispute inaccurate information with the credit reporting agencies as soon as you discover it. The ScoreSense Dispute Center offers a step-by-step guide to help you file disputes with TransUnion, Equifax, and Experian. If you spot signs of identity theft on your credit reports, such as new accounts that you did not authorize, refer to the ScoreSense Identity Theft Recovery Guide.
Each and every lender determines what constitutes "good credit" when pricing their products and services. Some lenders require better credit scores than others for the same rates, deposits, or terms. Generally speaking, credit scores greater than 720 will help you qualify for loans with low interest rates. Scores can range from the 300s to the 800s. Higher scores are better than lower scores.
Credit monitoring will continuously check your credit reports for you, and alert you whenever any changes or additions appear. ScoreSense will send you an alert whenever an organization checks your credit, whenever your personal information changes, when a delinquency or other piece of negative information is added, or if a new account is opened in your name. Credit monitoring is the best way to ensure that you know about fraudulent activity before it wrecks your credit. The sooner you learn that your identity has been stolen, the easier it is to get it back.
Identity theft happens when someone else accesses your personally identifiable information—such as a name, date of birth, or Social Security number, and uses it to obtain goods, services, credit, or false credentials. There are dozens, if not hundreds, of ways that criminals can access personal information and use it to commit crimes. Visit the ScoreSense Learning Center to understand the different types of identity fraud that exist, and what you can do to protect yourself.
ScoreSense protects you from identity theft in a variety of ways. By alerting you to important changes in your credit and providing easy access to your latest credit reports, ScoreSense helps you to spot fraud early—before it does too much damage. Our revolutionary ID Score offers a calculated estimate of your level of risk for identity theft. We also continuously monitor the internet, public records, payday loan data, and more to detect potential threats to your identity. You can see all of our findings in your personalized Identity Report.
If you do fall victim to fraud, ScoreSense is here to help you reclaim your identity. The ScoreSense Identity Theft Recovery Guide provides a personalized set of steps to take based on your particular situation. ScoreSense members are also eligible to receive benefits under the ScoreSense Personal Identity Coverage plan, which offers up to $1,000,000* to cover the costs related to fraud recovery. Download the plan summary for more details.
* Identity theft insurance underwritten by subsidiaries or affiliates of American International Group, Inc. The description herein is a summary and intended for informational purposes only and does not include all the terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions. Visit the ScoreSense Personal Identity Coverage page for more details.