FreeScore360 provides customers with a free credit score from the three credit bureaus: Experian, TransUnion and Equifax, according to the company's website. As of January 2016, customers receive a seven-day free trial, and then pay a monthly membership fee of $39.95 at the conclusion of the trial. The website allows customers instant access to their scores, which the site delivers online in a secure format.
A consumer's credit report displays information such as his full name, date of birth, employer, and current and previous addresses, explains FreeScore360. The report also shows the total number of accounts the customer has on file with each bureau, as well as how many of these accounts are open, closed, delinquent and derogatory. The report displays the consumer's balances, payments and public records, as well as the number of credit report inquiries in the past two years.
When checking a credit report, consumers should be aware of any new accounts they do not remember opening, notes FreeScore360. Consumers must note any derogatory information that is inaccurate or out of date and also be aware of an excessive number of credit report inquiries. It may take a credit bureau a few days to a few months to correct report errors. Public records such as collections and court actions remain on an individual's credit report for seven years.