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Get Your Free Credit Score

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(877) 824 - 7884
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A good credit score is your passport to competitive interest rates for mortgages, cars, credit card offers, job offers, insurance premiums and more. A strong score is worth money because it saves you in excess costs.
Members FAQs | Home
How do I contact customer service?
Please call our Customer Service Representatives at (800) 238 1936 and we'll be happy to assist you.

How do I cancel my membership?
To cancel your membership, you may do so at any time by contacting our Customer Service Representatives at (877) 824 7884. We are available to assist you:

Monday-Friday: 8 AM - 4:30 PM MST

Please have your membership information ready to ensure a smooth experience.

I canceled my membership, how can I reactivate it?
Please call our customer service representatives at ClearFreeScore and we'll be happy to assist you.

Is ClearFreeScore.com secure?
We realize that the information you provide is extremely sensitive and we use the utmost security measures to protect your data. Our website is encrypted using 128-bit SSL (secure sockets layer) technology.

I signed up for an account, how do I get started?
You will be automatically directed to our member portal once you have successfully completed the enrollment process. From the member dashboard, you can easily navigate between the different benefits. You will also receive a welcome e-mail that contains your log in credentials and other important information about your membership.

I never received a welcome e-mail, what should I do?
You will be sent a welcome e-mail within 24 hours of enrollment. If you have not received your e-mail in that time frame, be sure to check your spam folder. You should also add [email protected] to ensure prompt delivery. Should you still not receive your welcome e-mail, please contact us at the customer service number referenced above.
Contact Us | Home
We would love to hear from you! Feel free to drop us a line on any of these mediums!

10200 E. Girard Ave. Building D. Suite 206
Denver, CO.

Our hours of operation are:
8:00AM to 4:30PM MST | Monday through Friday.
Feel free to give us a call during those times: 1-800-238-1936

Feel Free to send us an inquiry e-mail at: [email protected]
Credit Learning Center | Home
What is a credit score?
A credit score summarizes your entire credit report information into one number. This number is calculated by a mathematical equation that evaluates many types of data points (score factors) from your credit report at that particular credit-reporting agency. By comparing this information to the patterns in thousands of past credit reports, scoring identifies your level of credit risk. Your score tells a lender how likely you are to repay a loan, or make credit payments on time. The higher your score is, the better chance you have of getting the credit you apply for.

How is my credit score calculated?
A credit score summarizes your entire credit report information into one number. This number is calculated by a mathematical equation that evaluates many types of data points (score factors) from your credit report at that particular credit-reporting agency. There are many types of score factors that can have a positive or negative effect on your score. The factors are listed in order of the degree to which they affect your score negatively, meaning that the factor listed first is what most decreased your score. Some examples of score factors include but are not limited to:

-Too many inquiries (how often you apply for credit)

-Too many serious delinquencies (how timely your account payments are)

-Too many recently opened accounts (how often you have opened new lines of credit recently)

-Average balance of revolving accounts is too high (what you owe vs. available)

-Too few mortgage accounts (what types of credit do you use)

How is my credit score used?
Credit scores are one of the main tools creditors, employers, insurance and finance companies rely on to determine your creditworthiness. Your score is a quick snapshot that is often used when credit decisions are made quickly. Creditors may also obtain your full credit report, to access more detailed information to aide their decision on your level of risk.
Each of the national credit reporting agencies, Experian, Equifax, and TransUnion, also offers industry-specific scores and methods to check credit. An industry-specific credit report score allows lenders in the various industries to better assess certain factors in your credit file. For instance, a lender in the automotive finance industry might request a score model that more closely evaluates your auto loan payment history. The actual score is based on the credit data available in your file with that credit reporting agency, and may vary from one to another. Your credit score rating may also vary, depending on the credit report score model requested (Auto specific, mortgage, etc).

How can I get my credit report?
To obtain the free credit report that you are entitled to under federal law, you must go to www.annualcreditreport.com. At this website address, you can get your credit report from all three credit reporting agencies - Experian, Equifax, and TransUnion - once every 12 months. For daily monitoring of your credit report from each of the three credit reporting agencies, use ClearFreeScore.com Credit Monitoring. Our service makes your personal report available online 24/7. You have peace of mind from knowing that your credit records are being monitored daily. If any irregular account activity is detected, we'll email you promptly.

How often is my credit report updated?
In general, creditors forward information to the credit reporting agencies monthly. The day of the month that each individual creditor sends updates varies. In other words, we might receive an update from creditor A on the first of every month and from creditor B on the 11th of every month, etc. This is why it's important to have access to your credit report every day.

What is credit monitoring?
Credit monitoring is a service that continuously monitors your credit report for changes. Changes could include missed payments, new inquiries or new accounts. ClearFreeScore.com Credit will immediately send out e-mail updates should there be any new alerts to your credit file. It is also an important tool for fighting identity theft as you will be updated immediately should someone try to open an account in your name. Without credit monitoring you are at risk of someone stealing your identity and racking up debt in your name.

What is a credit inquiry?
Credit inquiries are requests made by primarily financial companies to gauge your credit worthiness. They use the contents of your credit report to determine if and how much credit they should issue. The most common types of inquiries are made when you are applying for a credit card, auto or home loan, or looking to secure a new apartment. Inquiries can only be made with your authorization.
What are the benefits of a ClearFreeScore.com membership?
By enrolling in ClearFreeScore.com, you receive unlimited access to your credit report and score. You also receive 24/7 credit monitoring, e-mail alerts, credit report consultation, and access to our credit education center. There are also optional benefits available to members including access to all 3 credit reports and scores and enhanced identity theft protection.

How do I view my credit report & score?
Once you have completed the enrollment process, you will be automatically directed to our member dashboard. From the member dashboard, you can easily navigate between the different benefits by using the tabs near the top of the page.

How do I view my credit alerts?
Once you have logged in to the member dashboard, there is a tab at the top of the page for credit alerts. You can click that tab and it will display any alerts you have received.

What should I do if I receive a credit alert?
The action you need to take will depend on what the credit alert is about. For example, you could receive an alert that there was a new inquiry on your report. If you recently applied for credit, that would explain the inquiry, however if it was not you, you should take action by calling the company listed on the inquiry. The same logic would apply for new accounts opened in your name.
© 2017 ClearFreeScore.com All Rights Reserved. Privacy Policy | Terms of Service
Credit information is provided by TransUnion and CSIdentity Corporation.
ClearFreeScore.com provides you with the tools you need to access and monitor your financial profile through the program's credit reporting and monthly monitoring benefits. ClearFreeScore.com Credit Monitoring and its benefit providers are not credit repair service providers and do not receive fees for such services, nor are they credit clinics, credit repair or credit services organizations or businesses, as defined by federal and state law. Credit information is provided by TransUnion and CSIdentity Corporation.

Under federal law you have the right to receive a free Credit Report from each of the three nationwide consumer reporting agencies once every 12 months. A free Credit Score is not included.

After verification of your identity, your scores are available for immediate online delivery securely. Please note that the score you receive may not be the one your lender uses. Scores shown are for illustrative purposes only.

Disclaimer: Insurance coverage is subject to the conditions and exclusions in the policy. The Insurance coverage through the ID Protection program excludes the residents of New York & Texas.

Refund Policy: Every refund request will be subject to a Manager Call review and a thorough investigation of payment and call history. Investigation will be completed within 72 hours of refund request.

If Manager approves refund, the client will be issued a check and it will be sent to current address found in our system.

Cancellation Policy: Services are provided on a month-to-month basis and clients may cancel their service at any time at least (3) three days in advance of any upcoming recurring payment. At the time of cancellation, the client is eligible for a refund of their most recent monthly charge collected within the last 30-days.

When canceled according to these terms, the upcoming recurring payment will constitute the final payment due for services rendered.

All services are billed in arrears.

In the credit repair industry, no company can predict a certain outcome when working on a client’s report. Because of this, we will do our best to assist you with removing inaccurate, incorrect and unverifiable information from your credit report. If for any you are not satisfied with our service, we will refund you the last month of service.