“Free credit scores” from One Technologies came at a price

“Free credit scores” sounds good, right? But what if you signed up for “free credit scores,” then found out you were enrolled in a credit monitoring program that costs $29.95 per month? Not so good. That’s what the FTC says happened with a company called One Technologies, Inc.

One Technologies has agreed to settle the FTC’s charges that it misled consumers by advertising “free credit scores” but failing to tell people that they would be enrolled in a credit monitoring program with a monthly fee. 

Here’s what happened: One Technologies offered people “free” online access to their credit scores through at least fifty websites, including freescore360.com, freescoreonline.com, and scoresense.com. But according to the FTC, the company didn’t clearly inform people that once they got their score, they would have to pay $29.95 per month for a credit monitoring program. You could only get out of that monthly fee by calling to cancel. Some people had to call multiple times. Others were denied refunds. 

One Technologies will pay $22 million to compensate affected people and must get people’s consent before billing them. And it must provide people with an easy way to cancel.



If you’re considering using a free credit report or credit score service, here are a few things to consider:

  • To get a copy of your free credit report, visit www.annualcreditreport.com. Other websites that claim to offer free credit reports, free credit scores, or free credit monitoring are not part of the free annual credit report program under federal law.    
  • If you’re looking for a way to improve your credit report, remember that many things that companies do for you for a fee, you can do yourself for free.
  • If you think you’ve been a victim of deceptive marketing, let us know
Blog Topics: 
Money & Credit


I find the information quite refreshing to know that the FTC is aware of the misleading offers by so-called "free credit report" services. I have found over the many years, that the word "free" no longer means what it used to. That is shameful and deceitful. So much for internet technology. "Buyer Beware."

I tried "free" w/ 'creditscore.com' and got the monthly charged; after trying to make contact with them and found it impossible. Finally got my BANK to agree with me that I had NOT authorized the creditscore.com to debit the account; the Bank reversed the charge for me. Just lucky, I guess !

what about a.o.l. and what they've been doing for more than a decade. never can get cancelled or un-subscribed from them. they just bill and bill and computers were always down when I tried! fortunate for me there was wrong zip code so they couldn't keep on charging after the free trial ended (2002).

I work for a company that takes calls for one technologies and every caller wants to cancel because that's the type of calls that they generate with their deceptive website. There is nowhere on the website to cancel, so you have to call to get that taken care of. A customer also has to call back twice and ask for a refund before they'll give a refund. I don't like going to work every day because I deal with people that have been scammed all day everyday, but with the economy being so bad it's the only job I can find. It would be great to find a job with a company that has the same morals that I do, and this isn't it. It makes me sick to my stomach what I have to do every day.

I hear of a lot of people using CreditKarma. Supposedly you can monitor and see your credit scores without having to provide a debit or credit card. Would this site be safe to use?

Generally, the FTC advises checking your credit at www.annualcreditreport.com.  For more advice, check out the FTC's guidance on choosing identity protection services.

Any advice on getting my credit score (not report) for free?

My question, too. Or I'm willing to pay a one-time fee. But I don't want to subscribe to a monthly service.

The Fair Credit Reporting Act (FCRA) gives you the right to get your credit score from the national credit reporting companies. They are allowed to charge a reasonable fee for the score. When you buy your score, you often get information on how you can improve it.

Many credit card issuers now offer free FICO (credit score) scores.


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