You can't do much better than consistent access to all three bureau scores, and ScoreSense provides this. What's more, the company's ScoreCast and ScoreTracker tools are a great educational resource in not only understanding the factors directly influencing your score now, but also what future actions could possibly do to said score. The dispute center component is a useful feature a lot of other similar credit reporting services don't offer. After all, finding the errors on your report is only half the battle, you must then be instructed on what you can do to fix them.

The only downside to ScoreSense is it is not clear what model they employ when calculating their credit scores. And since FICO® is not mentioned anywhere, we can only assure ScoreSense is using an "educational" score like VantageScore. While these scores can helpful in understanding your credit picture, they are not the ones the majority of lenders or creditors will be looking at when making decisions.

ScoreSense particularly shines in the area of monitoring and tools. The company's ScoreCast tool lets you explore how your credit may be affected by certain actions, including making/missing payments, reducing debt, transferring balances, opening or closing accounts, and receiving inquiries. ScoreSense's alerts are pretty robust as well, notifying users of critical changes to all three reports immediately. Seeing new account openings, delinquent payments, and the like is instrumental in spotting errors and fraud early. Finally, ScoreSense's identity and personal protection services are top notch as well, providing suspicious activity alerts, as well as sex offender and neighborhood reports.

At $39.95 ScoreSense's monthly subscription fee is slightly higher than average for the credit reporting companies we evaluate. However, not all of these providers offer monthly updates from all three credit bureaus, and even fewer still have the credit education and monitoring tools that ScoreSense has. The company also has a free 7-day trial where customers can test drive the service.

There's not much to go on in terms of reputational factors when it comes to ScoreSense. The company has no BBB grade or Trustpilot score. However, on other independent review sites positive sentiment focuses on the ability to access all three bureau reports at anytime, which is incredibly useful, and the company's consistency in credit monitoring and issuing alerts. There are a fair share of customer complaints about charging, but from our point of view it couldn't be clearer on the signup page that your subscription will be renewed unless you cancel during the 7 day trial.