ScoreSense Product Overview
ScoreSense is a comprehensive, subscription-based service designed to provide users with detailed insights into their credit health and robust tools for protecting their financial and personal information.
What ScoreSense Does
ScoreSense helps customers understand and manage their credit by offering access to their personalized credit information. It is tailored to assist users in tracking their credit scores, identifying factors that affect their credit, and protecting them from identity theft. This service is backed by live customer care representatives and credit specialists available for support.
Key Features and Functionality
Credit Scores and Reports
- ScoreSense provides monthly updates to users’ three credit scores and reports from all three major credit bureaus: TransUnion, Equifax, and Experian. This allows users to view each of their credit scores and reports side by side, giving a complete picture of their credit health.
Credit Insights
- The service includes Credit Insights, which pinpoint the specific factors affecting users’ credit scores, enabling them to make informed financial decisions.
Daily Monitoring and Alerts
- ScoreSense offers daily credit monitoring and alerts users to any suspicious activity or changes in their credit reports, helping to detect potential identity theft early.
Identity Theft Protection
- Members are protected with up to $1 million in identity theft insurance, which helps offset the costs associated with identity theft repair. Additionally, the service includes an ID Protection Report that monitors for fraudulent use of personal information such as names, addresses, social security numbers, and credit/debit cards.
Credit Tools and Resources
- The ScoreSense platform features a Score Simulator that shows potential future credit scores based on hypothetical scenarios. It also includes MyCreditChecklist, which provides checklists for getting finances in order when planning major purchases like homes or cars. A learning center is available for educating users on what affects their credit ratings.
Additional Features
- Users can compare their credit scores to national, state, or age group averages. The app and website offer easy access to credit reports, score tracking over time, and monitoring of key factors affecting credit scores. Credit Facts and Credit Tips are also provided to help users understand their credit scores and reports better.
Family and Neighborhood Safety
- Beyond credit monitoring, ScoreSense offers family safety monitoring, which alerts users when registered sex offenders move nearby and provides details of their crimes and physical descriptions. This feature enhances overall family security.
Customer Support and Accessibility
- ScoreSense is designed with customer needs in mind, offering anytime, anywhere access to credit information. Credit specialists are available seven days a week to answer questions and provide assistance. The service is accessible through both web and mobile app platforms, ensuring users can manage their credit and identity protection conveniently.
In summary, ScoreSense is a robust tool that not only provides comprehensive credit monitoring and reporting but also offers extensive identity theft protection, educational resources, and family safety features, making it a valuable resource for anyone looking to manage their financial health and personal security effectively.