ScoreSense FAQs

Membership

How can I contact Customer Care?

You can contact our Customer Care department at 1-800-972-7204. We are available to assist you every day of the week:

Monday through Friday 8 AM to 8 PM CST,
Saturday 8 AM to 5 PM CST,
and Sunday Noon to 6 PM CST.

What does OTL*ScoreSense mean?

We use “OTL*ScoreSense” as a billing descriptor for transactions related to our membership service.

How can I cancel my membership?

You can easily cancel your membership online or by calling our Customer Care department at 1-800-972-7204. We are available to assist you every day of the week: Monday through Friday 8 AM to 8 PM CST, Saturday 8 AM to 5 PM CST, and Sunday Noon to 6 PM CST. Once you cancel your membership, you will receive no further charges. To reduce the amount of time it will take our representative to process your request, please have the following information handy:

  • ScoreSense Member ID (provided in your Welcome email) or Social Security number
  • First and last name
  • Physical address used to register your ScoreSense account

I cancelled my membership, how can I reactivate it?

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 Noon – 6 PM CST).

Is this site secure?

Your security is our top priority. ScoreSense is encrypted using 128-bit SSL (Secure Sockets Layer) technology.

I signed up for an account, now what?

As a ScoreSense member, you are able to choose options that will allow you to access 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 membership.

I never received my Welcome email from ScoreSense®. What should I do?

Within 24 hours after signing up with ScoreSense, you should receive a Welcome email containing important membership information. If you did not receive this important email, check your Spam folder and make sure to add customercare@email.scoresense.com to your address book. Also visit your account page to ensure we have your correct address on file.

Features

What features are available with my membership?

  • Unlimited access to your credit scores and reports updated monthly by TransUnion, Equifax and Experian.

  • Credit Monitoring & Alerts notifies you of changes on your credit report.

  • ScoreCast™  helps you understand how certain financial actions can potentially impact your scores.

  • ScoreTracker™ enables you to chart your scores’ progress each month.

  • The Dispute Center outlines the steps for addressing errors on your credit reports with all three bureaus.

  • The Learning Center has more than 100 articles on credit.

  • Scores To Go™ allows you to access your scores and reports from mobile devices.

  • Up to $1,000,000 Identity Theft Insurance helps with the cost of restoring your credit profile should identity thieves strike.

Where can I see my credit reports and scores?

Simply log in to your ScoreSense account to see your most recent scores and full credit reports.

How does credit monitoring work?

We monitor your credit report for activity that could affect your scores – or indicate possible identity theft – and notify you with a Credit Alert email. Alerts may be related to:  changes in personal information, delinquencies added, new accounts opened, inquiries into your credit, and other actions that may pose a threat.

What should I do if I receive a credit alert?

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.

What is ScoreTracker?

ScoreTracker lets you chart your monthly credit scores from Equifax®, Experian®, and TransUnion® so you can easily see your score history over a 12-month period. You can also see how you compare nationally, by age group and by state.

What is ScoreCast?

ScoreCast is an interactive simulator that lets you see how your credit score may change if you take certain financial actions, such as paying off your debt, taking out a new loan or missing a monthly payment.

How many scores can I simulate with ScoreCast each month?

You can simulate as many scores as you like each month. Note that the simulations have no impact on your actual credit scores and do not hurt your credit in any way. Your simulations will not be saved or stored and we do ask that you choose one credit reporting agency to simulate.

How accurate are the ScoreCast simulations?

ScoreCast is designed to provide a general approximation of future credit scores based on hypothetical scenarios. Your credit scores are not guaranteed to change as indicated, even if you follow the scenarios precisely.

Credit Basics

Why is it important to check my credit reports and scores?

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.

With ScoreSense Monitoring, you will be alerted to changes in your credit report. To view your changes you may purchase your report and scores for a one-time fee or upgrade your account to ScoreSense Plus for unlimited access to your credit report and scores.

Will checking my own credit hurt my credit scores?

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.

With ScoreSense Monitoring, you will be alerted to changes in your credit report. To view your changes you may purchase your report and scores for a one-time fee or upgrade your account to ScoreSense Plus for unlimited access to your credit report and scores.

What information is on my credit report?

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).

How many credit reports do I have?

Most consumers have three credit reports in their name—one from each credit reporting agency (Experian®, Equifax®, and TransUnion®). ScoreSense provides you access to the information that Equifax®, Experian®, and TransUnion® keeps on file for you. You can refresh your credit report and score with ScoreSense every month.

With ScoreSense Monitoring, you will be alerted to changes in your credit report. To view your changes you may purchase your report and scores for a one-time fee or upgrade your account to ScoreSense Plus for unlimited access to your credit report and scores.

What if I see an error or fraud on my credit report?

Credit reports containing errors 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 Equifax®, Experian®, and TransUnion® . If you are a member and spot signs of identity theft on your credit reports, you can refer to the ScoreSense Identity Theft Recovery Guide.

How are my credit scores calculated?

Your credit scores are based on the information in your credit reports from Equifax®, Experian®, and TransUnion® . The formula used to calculate your credit scores is primarily based on your payment history, level of debt, and length of credit history. The longer you have proven yourself as a creditworthy consumer, the higher your credit scores are likely to be.

What is a good credit score?

Different lenders have different definitions of a “good” credit score. 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. The better your score, the more likely you are to qualify for a new auto loan, credit card, or mortgage at a competitive interest rate.

ScoreSense categorizes credit scores in the following manner:

Excellent810-850
Great750-809
Good670-749
Fair560-669
Poor500-559
Very Poor300-499

What is credit monitoring?

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. Our learning center provides information to help you better understand the different types of identity fraud that exist, and what you can do to protect yourself.

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