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GOFreeCredit.com Review

Top10.com Staff

In a Nutshell

GOFreeCredit.com is one of the only brands authorized to provide a trial of TransUnion’s credit monitoring services, allowing you to test it out before paying a monthly fee. This service includes a range of products, such as daily credit report monitoring, email alerts, lock/unlock feature, and credit-building recommendations. The service also provides $1 million in identity theft protection insurance and access to ID theft specialists.

pros

  • Daily credit score and report updates
  • Email alerts of critical changes to credit report
  • Lets you lock/unlock your TransUnion & Equifax credit reports

cons

  • It isn’t actually free
  • You can get the same service direct from TransUnion

GOFreeCredit GOFreeCredit Visit Site

A Brilliant Solution For:

  • Anyone planning to take a mortgage or other loan in the next few months
  • Anyone looking for help with building their credit score

How Does it Work?

GOFreeCredit.com gives you access to TransUnion’s suite of credit monitoring tools. The registration process begins on the GOFreeCredit.com website. After filling in your details, you’ll be redirected to the TransUnion credit monitoring site to enter your payment details and complete the process. 

Once you’ve registered, you’ll be assigned login details which you can use to access your new TransUnion credit monitoring account. There’s no need to download any software or do anything complicated. To access your account, simply log on from any browser on your desktop or mobile.

What Does This Service Watch Out For? 

This service specializes in monitoring your credit scores and reports. If you need to keep tabs on your credit file, then GOFreeCredit.com and the TransUnion credit monitoring service will help you do so.

Here’s what’s included:

  • Daily updates of your TransUnion score and report
  • Email updates of critical changes for all 3 bureaus (TransUnion, Equifax, and Experian)
  • Instant email alerts as soon as someone applies for credit in your name
  • Personalized debt analysis, with detailed description of your debt and accompanying strategies for boosting your credit score
  • CreditCompass tool, which shows personalized recommendations to help you improve your credit score
  • Credit score simulator, which shows how future actions or events may impact your credit score

Recovery Services - What Can GOFreeCredit.com Do If My Identity Is Stolen? 

Although GOFreeCredit.com and TransUnion deal mainly with credit monitoring, they do also provide some recovery services. These services could prove very useful if someone steals your identity and/or tries to use your identity to take out credit products.

The following recovery services are included:

  • Ability to lock and unlock your TransUnion and Equifax credit reports (but not your Experian credit report)
  • Unlimited toll-free access to TransUnion ID theft specialists
  • Up to $1 million ID theft insurance

How Easy Is GoFreeCredit.com to Use? 

Unfortunately, GOFreeCredit.com doesn’t properly explain the link between its service and TransUnion’s credit monitoring service very clearly. However, as long as you understand that GOFreeCredit.com is merely a reseller for TransUnion credit monitoring⁠—and that the service you are paying for is actually TransUnion’s, then there aren’t any other issues to worry about. Not only is the service simple to use, but it also gives you flexibility. You can log in daily to monitor your TransUnion credit report and score, or sit back and wait for any alerts related to your credit files.

Pricing

GOFreeCredit.com charges $1 to access TransUnion credit monitoring service’s 7-day ‘free’ trial. Once the free trial expires, the charge is $19.95/month paid directly to TransUnion. There are no contracts, and you may cancel your subscription at any time.

GOFreeCredit GOFreeCredit Visit Site

Help & Support

GOFreeCredit.com doesn’t offer much in the way of customer service aside for an email address (info@GOFreeCredit.com). Judging from customer reviews, don’t expect GOFreeCredit.com to respond quickly (if at all). If you have issues related to the service itself, we recommend contacting TransUnion directly. As mentioned, the service includes unlimited toll-free access to TransUnion’s ID theft specialists. Contact details can be found by logging into your account.

Bottom Line

The GOFreeCredit.com website can be a bit misleading, in that it presents itself as a standalone service. The truth is the only reason to use GOFreeCredit.com is because it makes it easy and convenient to sign up for TransUnion’s credit monitoring service. After you register, you become a customer of TransUnion and not of GOFreeCredit.com.



Top10.com's editorial staff is a professional team of editors and writers with dozens of years of experience covering consumer, financial and business products and services.

GOFreeCredit customer reviews

Based on 27 reviews

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7 months ago

A very easy and free tool to use to check credit. I have used it and recommended it often.

7 months ago

It is a free credit report service and you can use it for free every six months.

7 months ago

It would be the peace of mind that it offers and how it's an innovative brand.

7 months ago

Safe and easy way to check you credit without the struggle and embarrassment of involving another person.

7 months ago

GoFreeCredit is easy to use. Has great consumer ratings and give reliable credit ratings.

8 months ago

GoFreeCredit is very easy to install and use. I was able to find the information I was looking for very quickly. Will definitely use it again.

8 months ago

Great product at a great price. Easy to sign up for and use, seems to track closely with actual credit scores from the big credit reporting companies.

8 months ago

It helped me get a good look at how I can improve my credit from the day I checked it, and it also showed me the mistakes I made to ruin my credit as much as I have as well .

8 months ago

It gave me my credit. That is all I wanted and I was satisfied with the service.

8 months ago

It's very easy to use and you don't have to answer too many questions. It's also very accurate and helpful, with tips to build your credit too, which is my favorite part about it.

7 months ago

Very nice delivery for a free application, and while there are many others that are better this is a nice service for free.

8 months ago

GoFreeCredit met my expectations and was simple to use. I would use it again. The website met my needs.

8 months ago

I had to access the site via using my bank's website. It can get tedious for the most part.

8 months ago

Obtaining my credit scores was very confusing when receiving them. I was confused on even what my score was and why. I called customer service and was not spoken to very nicely and they made me feel stupid. The lady eventually answered my questions but it was in a very rude way.

8 months ago

This service was ok for a free service, I much prefer Credit Karma as it's highly exclusive and allows you to tailor your experience based on your needs.

9 months ago

This site is ok, I do use Credit Karma though. I like Credit Karma's set up better for their website.

7 months ago

Used once. I usually use Credit Karma and haven't used GoFreeCredit in a while.

7 months ago

It was a little sketchy at first we weren't sure how it would work, but it was decent, I mean would we use it again? No.

7 months ago

It's unfortunate that we have to use this type of service but It's free and does the job.

7 months ago

A solid option but not overwhelmingly amazing therefore I rate it this rating.

27 reviews