Reviewing Go free credit dot com –

I received an email from last week, went to their website site. They are offering
free unlimited access to your credit report for 30 days. Along with automatic notifications of changes to your credit report, a detailed personal analysis, and details of who has reviewed your report in past.

GoFreeCredit.comThere fine print declaration that when you order your free credit report from, you will automatically be enrolled in a 30 day free trial of credit monitoring. You will be billed $16.95 for each month that you continue your membership if you do not cancel your membership within the trial period.

So essentially you can apply for your free credit report and within the first month if you cancel you will not be charged even a single penny. Yes, there prices have gone up by $4 per month in last few months. A thing to watch out for definitely.

Why should you know your credit score?

I really don’t like much about credit score services. I am comfortable seeing simulated (fake) score through credit sesame or credit karma. Nevertheless, it’s great to know your real credit score when you’re trying for a new home or car.  Getting your information in advance may give you an opportunity to correct any errors or resolve any negative bureau reporting.

GoFreeCredit is a company offering credit scores from each of the three bureaus (Equifax, Experian, and TransUnion). Each bureau uses its own slightly different calculation to determine your credit score, and each may still differ further from the FICO score, the credit score used by most lenders to determine your risk profile and your interest rates. Even though there are some differences, the more numbers you have, the better understanding you can get of how the financial industry sees you.

With GoFreeCredit, you can receive scores from all three credit bureaus – Equifax, Experian, and TransUnion when you enroll in Triple Score Complete program. This is a $19.95 per month service, but it’s free for 30 days. If you do not want to pay $19.95 and just want to know your current score and report, you must cancel before the 30 day trial period is over.

Even viewing your score an knowing what’s in there in your credit report is essentia and beneficial because of the following

  • Lower your interest rates
  • Get you instant loan approvals
  • Reduce or eliminate required down payments
  • Qualify to buy a house
  • Qualify to buy a car
  • Qualify to get a new credit card

Salient features of

  • Free Equifax Credit Score
  • Free 3-in-1 Credit Monitoring Trial with Equifax, Experian, and TransUnion
  • Daily credit monitoring of your Equifax, Experian and TransUnion credit files and alerts to key changes
  • Free 30-day Trial Membership
  • $16.95 / per month Apply Now!

The Account creation process

When I created account, it did ask me for credit card for verification. Once you do that and answer a few past history question, they offered me a couple of extra services which I did not select. The page design is to trick a new customer in to accepting these new services which may not be free for 30 days, so, be watchful.

The credit card used for verification is charged if you do not cancel your membership within 30 days. I then went on creating my user id and password.

Once I was in he system, which didn’t take much time, there were three bureau credit scores and reports that were displayed. I did spend a lot of time looking at the report as I was looking it after a few months. Thankfully my score didn’t come down since i checked last and the report didn’t have a negative incident.

Helpful hints

To cancel your credit monitoring service, login to your account. Go to “My Account” page and then search for “cancel membership”. If may call their representative to cancel your account. You may not want to do that and continue receiving score updates.

Don’t just read your report, if any disputed information is found which you believe to be false, you have every right to file a claim, as per FCRA (Fair Credit Reporting Act) law. Contact the credit reporting company(one of the three bureaus) and the information provider like loan or card provider, apartment association, etc.

We give a “apply” rating but, once you know your score you may cancel your membership.

Some other reviews you might be interested in

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  1. I haven’t checked mine in a while. Thanks for showing us the different ways we can either learn our actual scores, or get a simulation.


    • Yeah, actually you get risk free (in case you forget to cancel within 30 days) score is through you are entitled to get your score once every year, free of cost


  2. Back when we needed credit, we didn’t know anything about credit scores at all. Actually I doubt there was a way a regular consumer could find out what their’s was back then.

    I have trouble giving out my credit card info to online sites, let alone my ssn, so I would never take advantage of this kind of offer – but it is good to know they exist so I can warn my kids off!


    • Your mortgage paid off, you have enough saving for a new car if you needed. So yous till care about scores any more?


  3. Getting your credit score is a good idea, at least in terms of monitoring it. It doesn’t hurt. That being said, I’m not always a fan of services with free trial periods where you then have to cancel before incurring costs.



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