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Frequently Asked Questions

Why should I use ImportantScore.com?

Whether you are buying a home or car, applying for a loan or credit card, or simply just seeking to learn more about your credit, it’s crucial that you review your credit score regularly so that you know where your credit stands. ImportantScore.com provides you with the opportunity to easily check your credit score for free.

ImportantScore also offers a free trial of comprehensive 3-Bureau credit monitoring from our partners to help you protect your credit against potential identity theft and fraud.

How can I see my free credit score?

Once you complete the sign-up process at ImportantScore.com, you will be automatically directed to your member dashboard where you can view your FICO® Credit Score.

You can view your FICO® Credit Score by logging in to your Experian account here.

Checking your own credit will not affect your credit score.

What is credit monitoring?

Credit monitoring is the monitoring of one’s credit history in order to detect any suspicious activity, including credit-related fraud and identity theft. Credit monitoring will not prevent fraud, identity theft, or unauthorized use of your credit, however, it will alert you to important changes, such as credit inquiries, public records, delinquencies, negative information, employment changes, new accounts, and other changes to one’s credit history.

Why should I pay to monitor my credit long term?

There is generally a cost associated with comprehensive credit monitoring services like the one included in this product. This is because it costs the three major credit bureaus to monitor all of your data and send you real-time alerts of changes to your credit. With data breaches and cyberattacks becoming more prevalent, it is essential consumers stay vigilant and regularly monitor their credit.

Does credit monitoring check all of my credit reports from Transunion, Experian, and Equifax?

Yes. This product provides credit monitoring of all three major credit bureaus. It also provides an Experian Credit Report and a FICO® Credit Score.

What if I don't want credit monitoring?

You may cancel online at any time, free of charge, by logging into your Experian account directly, or by contacting customer service using the following information:

Phone (toll-free):

1-866-617-1894
Mon - Fri: 6 a.m. - 8 p.m. PT
Sat - Sun: 8 a.m. - 5 p.m. PT

Mail:

ConsumerInfo.com
Attn: Customer Care
PO Box 2390
Allen, TX 75013

How do I get my free credit score after I sign up?

Once you complete the sign-up process at ImportantScore.com, you will be automatically directed to your member dashboard where you can view your FICO® Credit Score.

How to Dispute Credit Report Errors?

ImportantScore.com does not have any authority to access, review, report on, or correct consumer credit information. Under the Fair Credit Reporting Act (FCRA), both the credit reporting agency and the information provider (i.e., the person, company, or organization that provides information about you to a credit reporting agency) are responsible for correcting inaccurate or incomplete information in your report. To take advantage of all your rights under this law, contact the credit reporting agency and the information provider. The FCRA promotes the accuracy and privacy of information contained within the files of the nation’s three major credit reporting agencies.

You may submit your credit report dispute to each of the major credit reporting agencies online, by mail, or over the phone:

Online:

Phone:

  • Equifax - 1-(866)-349-5191
  • Experian – To submit a dispute by phone, call the number displayed on your Experian credit report and speak with an agent. To request a copy of your personal credit report, call 1-(866)-200-6020. [source]
  • TransUnion - 1-(800)-916-8800

Mail:

  • Equifax
    P.O. Box 740256
    Atlanta, GA 30374-0256
  • Experian
    P.O. Box 9701
    Allen, TX 75013
  • TransUnion
    P.O. Box 2000
    Chester, PA 19016
How much does ImportantScore’s credit monitoring service cost?

After you order your $1 credit report and FICO Score 8, you will begin your 7-day free trial membership in Experian CreditWorks Plus. Once your 7-day trial ends, you will be billed $21.95 each month that you continue your membership. You may cancel at any time during the 7-day trial period without charge.

There is no cancellation fee after the trial.