Free Credit Reports 360 Credit Score Service Review
| Free Reports & Scores | Free Trial & Monthly Fee | Bureaus Monitored | Important | Rating |
|---|---|---|---|---|
| Free 3-bureau report and scores | Free 7 - day trial; $29.95/mo | All three bureaus | Free 7 day trial; 3-Bureau report and scores; Triple Bureau credit monitoring | 
|
There are certainly a lot of great things that come with the features provided by Free Credit Reports 360. One of this is the extremely compact, extremely comprehensive 3-in-1 merged credit report, which contains virtually everything you will ever need in maintaining a credible reputation as a credit user in today's industry.
Free Credit Reports 360's 3-in-1 merged credit report typically contains your personal information (previous addresses, current address, past employers, current employer, the name of your spouse, etc.) and account summary (details about closed credit accounts, open credit accounts, active mortgages, active credit cards, car loans, store charges, and other types of loans). Aside from that, it also contains public records, such as divorce settlements, liens, foreclosures, bankruptcies, and other types of legal judgments.
More importantly, you also receive your 3 credit scores with Free Credit Reports 360. These 3 credit scores are calculated and tabulated by the 3 major credit reporting agencies in the industry, namely Experian, TransUnion, and Equifax. This is a very useful feature offered by Free Credit Reports 360 because these 3 scores are actually strong determinants of whether or not your credit applications or loan applications would be accepted. The general practice in today's industry is that banks and lenders no longer scour the credit reports of their loan applicants anymore. Rather, they just check at the credit scores of the applicants and then take it from there. Banks and lending institutions do have their own systems of determining qualified applicants; nonetheless, the chances of getting that loan application accepted are higher with a higher credit score. Monitoring your credit score via Free Credit Reports 360 is then extremely beneficial.
And if that's not enough, you also get a personalized score analysis with your credit profile from Free Credit Reports 360. The great thing about this is that Free Credit Reports 360 takes the time to analyze your very own credit score, starting with the factors that are pulling down (or pushing up) your credit score right down to handy tips in improving your credit score, as needed. The personalized nature of this service is what sets Free Credit Reports 360 apart from similar services in the market, in the fact that Free Credit Reports 360 provides the tools and resources to ensure that you understand where your credit score is coming from.
Plus, Free Credit Reports 360 also provides exemplary credit monitoring service. Any time any type of suspicious change is made to your credit profile, you are then sent an email alert real-time. This way, you are notified about the suspicious activity taking place and you can then do something about it. One of the usual changes here would be a change of address so it is always wise to take advantage of this early warning system.
As soon as you sign up with Free Credit Reports 360, you then enjoy credit diagnosis during a 7-day trial period, unlimited access to your 3-in-1 merged credit report as well as your 3 credit scores, triple bureau credit monitoring, and real-time credit alerts. After your 7-day trial stint, you will then be charged $29.95 each month. Thus, if you do not want to be charged this monthly fee, make sure to cancel your subscription with Free Credit Reports 360 within the given trial period.
