Most of us are well versed and know the drill when it comes to the ‘free credit monitoring’ programs.

Normally, you can get your first scores for free and then if the service is on par with your expectations you can continue for a small monthly fee.

This is how I got started monitoring by reports and I tried at least 3 different programs including CreditKeeper, Identity Guard and LifeLock before I stuck with ScoreSense.

Score Sense, starts out like the other programs with the free or $1 trial period. However, it didn’t long for me to realize that their program went well beyond the other all in one identity theft programs I had tried in the past.

Here is a breakdown of my experience (please note the program has evolved quite a bit since it originally started and more and more customers are sticking with the program after these changes).

What To Expect From Your Score Sense Trial

When I first signed up for their free trial, I got the welcome email, I realized they were talking all these “services” went well beyond the standard FICO scores “program” I was used to from other programs.

The welcome email helped get me started and gave direct instructions on how to get the most out of their service.

Welcome to ScoreSense. Monitoring your credit is one of the smartest financial decisions that you can make. All of us at ScoreSense look forward to helping you reach your financial goals.


If you have not yet logged in to view your credit profile and scores, please complete the registration process to get started.

We encourage you to start enjoying the benefits of your free trial membership to ScoreSense which includes the following:

24/7 Access to Your Credit Information: You get convenient online access to your latest credit profile from all three credit bureaus, all in one secure place.

Daily Credit Monitoring and Alerts: We continually scan your Experian®, Equifax® and TransUnion® credit reports and send you instant email alerts when key changes are detected.

One Million Dollar Identity Theft Insurance: Insurance reimburses costs associated with handling the theft of your personal identification, including lost wages and legal defense fees, up to one million dollars.

This is the part that has apparently changed the most. Early on, customers had difficulty understanding how to cancel their free trial enroolment. However, since mid-2014, they changed the verbage with their introduction email in order to spell it out directly….

We hope that you’ll want to keep enjoying the benefits of membership when your trial membership to ScoreSense expires in 7 days. If so, no further action is necessary on your part and we will bill the monthly membership fee to your credit or debit card. The charge on your statement will appear as “OTL*” If you wish to cancel your membership, please call us before your trial membership expires and your card will not be charged.

If you have any questions or need assistance, please visit the Frequently Asked Questions on our website, or call us directly at 1-800-678-5464 (Monday through Friday 8 AM – 8 PM CST, Saturday 8 AM – 5 PM CST or Sunday 12 PM – 6 PM CST).
We look forward to serving you,
The ScoreSense Team

Of course you can continue with the traditional “Free” monitoring services such as Credit Karma or Credit Sesame but consider that your information will be shared with 3rd party companies (Lending Tree!) to pitch you loans and other financial services.

So, if you value your privacy (which you should since you are actively monitoring your credit file) then those services are not “free” by any measure. Furthermore, they are known to miss a lot of pertinent information on your credit reports or take up to 90 days to update potentially dangerous changes to your credit reports.

For that reason and many others, we encourage consumers to make the commitment to professional credit monitoring program and consider the monthly fee as a traditional “insurance” policy much like you have on your home, car or even life.

Trust me, you don’t want to be on the wrong side of identity theft.

With that said, it truly makes “sense” and “cents” to use a professional program like ScoreSense in order to stay informed about changes as they happen in real time.

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