MyFreeScoreNow Customer Service — Expert Guide for Account Holders

Service overview and what customer service typically handles

MyFreeScoreNow is presented as a consumer-facing credit score and monitoring service; like other subscription monitoring products it generally handles account setup, identity verification, credit score updates, billing and subscription changes, and basic troubleshooting for the web/app experience. From a practical support perspective you should expect three core categories of interactions: account access (password resets, email changes), billing (trial conversion, refunds, chargebacks), and credit-data issues (report updates, disputes, inaccuracies).

Professional support teams for services in this category operate on standard SLAs: initial email acknowledgement within 24–48 hours and phone/chat response within minutes to an hour during business hours. If a problem requires escalation (billing investigation, identity verification, or legal requests) you should expect a multi-step process that can take 7–30 days depending on verification needs and whether third-party credit bureaus are involved.

How to contact support and prepare before you call or write

Always start by locating the official contact method printed on your billing statement or on the service’s authenticated website (look for HTTPS and an updated domain). If the service provides a dedicated support phone number or secure message center, use that channel for faster resolution. If you cannot find a number, check the payment descriptor on your bank or card statement and use any URL that appears there — that ensures you are contacting the vendor that charged you.

Before contacting customer service, prepare these items: (1) account email and last 4 digits of any card on file, (2) the exact date and amount of the disputed transaction, (3) screenshots of webpages or emails (with timestamps), and (4) a clear, concise statement of the outcome you want (refund, cancellation, data correction). Having a written log of every interaction (date, agent name/ID, summary) is essential for escalations and potential disputes with your bank.

High-value contact checklist

• Collect transaction evidence: date, amount, payment method, last 4 card digits, and merchant descriptor from your statement.
• Record agent details: date/time, agent name or ticket number, promised resolution or timeline (e.g., “refund within 5–10 business days”).
• Use the consumer protection laws for leverage: FCRA (Fair Credit Reporting Act, 1970) gives bureaus 30 days to investigate disputes; Fair Credit Billing Act (1974) applies to card billing errors and a 60‑day notice window may be relevant.
• If the service uses a third party for identity/credit data, request the name and contact of that vendor in writing for parallel follow-up.
• If you were placed on an auto-renew or free-to-paid conversion unexpectedly, request an explicit refund policy, date of trial end, and the merchant’s cancellation link or leader email.

Billing, refunds, cancellations and chargebacks

Billing disputes and refunds are the most common issues. Typical industry timelines: refunds once approved are processed to a card in about 5–10 business days; issuers sometimes show the credit in 1–2 billing cycles. Subscription services commonly charge between $5 and $30 per month; if you see recurring charges in that range labeled with a merchant name you don’t recognize, compare it against all online accounts you or family members have created.

If customer service denies a refund or does not respond within the promised SLA, your next step is to contact the card issuer. Card networks and banks normally allow disputes/chargebacks within a 60–120 day window from transaction date depending on the network (Visa/MC commonly accept 120 days for some categories; American Express and issuers vary). Present your communication log, proof of cancellation, and screenshots when filing the dispute.

Disputes, credit-report corrections and timelines

If your issue relates to incorrect credit information or identity errors, the Fair Credit Reporting Act (FCRA, enacted 1970) governs the dispute process: once a dispute is filed with a consumer reporting agency, the bureau generally has 30 days to investigate and report back. If MyFreeScoreNow or its data partner reported incorrect information, request in writing that they provide the data source and the date of reporting — this helps you escalate to the bureau directly (Experian, TransUnion, Equifax).

For identity theft issues, file an identity theft report with the FTC at identitytheft.gov and, if necessary, a police report — both are often required by consumer reporting agencies to place extended fraud alerts or freezes. Expect identity restoration to take weeks: immediate steps (freeze, alerts) are fast, but full resolution of credit-file inaccuracies often takes 30–90 days depending on the cooperation of data furnishers.

Escalation, sample scripts and best practice tips

When escalating, ask for a written escalation number or case ID within the first call or message: this is the single most effective move to prevent repeated rework. If the front-line agent cannot help, request escalation to a supervisor and a specific time window for the follow-up (e.g., “I need escalation to supervisor level and a call back within 48 hours”).

Use concise scripts. Example phone opener: “My name is [Full Name], account email [[email protected]]. On 09.03.2026 I was charged $[AMOUNT] with descriptor [MERCHANT NAME]. I have cancelled my trial on 09.03.2026 and request a full refund. My ticket number is [if any]. Please confirm the refund authorization and time-to-credit.” For written disputes, include FCRA/FCBA references as applicable and attach screenshots — written evidence speeds resolution and supports chargeback filings if needed.

What is Equifax customer service phone number?

Call us at 1-888-EQUIFAX (1-888-378-4329) 9am-9pm (ET) Monday-Friday, and 9am-6pm (ET) Saturday and Sunday or visit our online self-service.

Who can I contact to help with my credit score?

The credit bureaus also accept disputes online or by phone: Experian (888) 397-3742. Transunion (800) 916-8800. Equifax (866) 349-5191.

What number is 888 378 4329?

Equifax
Equifax, (888) 378-4329. For reports in Spanish, choose Option 8 when calling or visit equifax.com . TransUnion, (800) 916-8800.

How to get ahold of Experian customer service?

If you need help with anything related to your membership account, you should call Experian’s customer service at (866) 617-1894. You will need to call while the Experian office is open to speak with someone. The hours are 8 a.m. to 8 p.m. CT, Monday to Friday, and 8 a.m. to 6 p.m. CT, on the weekends.

What time does Experian customer service open?

Customer Support
Monday – Friday from 7 a.m. to 7 p.m.

What is the phone number for Creditscore customer service?

Unfortunately, if your credit report doesn’t meet these minimum requirements, we won’t be able to generate a FICO® Score for you. For additional information about your credit score, please contact Customer Care at 1-866-617-1894.