MyScore.com

What MyScore.com does

MyScore.com is a US-based, direct-to-consumer credit monitoring and identity protection service operated by Golden Scores, LLC, a privately held Tennessee LLC headquartered in Chattanooga. Founded in 2016 and operating with 1–10 employees, the company sells a single product, My Credit Manager, to individual US consumers. The offering delivers access to a Vantage 3.0 credit score, tri-bureau credit monitoring with alerts from Equifax, Experian, and TransUnion, a dark web personal-information search tool, and a loss protection guarantee, supported by a Credit Learning Center of educational content. The service is geographically restricted to the contiguous US (excluding Alaska and Hawaii), with no mobile app, API, or SDK exposure.

The platform is built as a website-based member portal with authentication and identity verification; credit data and identity protection services are sourced through partnerships with Experian and CSIdentity Corporation, indicating a reseller/integrator model rather than proprietary data infrastructure. There is no disclosed in-house AI/ML capability, no patents, and no mobile application. Distribution is exclusively direct-to-consumer via myscore.com, with social channels (Facebook, Twitter) used for top-of-funnel presence and a toll-free customer service line (877-498-1492) for support.

The business model is a recurring monthly subscription at $39.90, auto-renewing until cancelled, with a $1.00 for 7-day trial funnel that auto-converts to paid membership (one trial per 180 days per customer). Cancellations stop future charges but no pro-rated refunds are issued. Marketing is product-led and self-serve, targeting a horizontal segment of US consumers seeking credit visibility and identity protection rather than enterprise or B2B buyers. Ownership is closely held with no disclosed institutional investors, funding rounds, M&A activity, or executive leadership changes in the available record.

Name

MyScore.com

Legal name

Golden Scores, LLC

Website

https://myscore.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

1–10 employees

Short description

MyScore.com, operated by Golden Scores, LLC, is a US direct-to-consumer subscription service providing individual consumers with Vantage 3.0 credit scores, tri-bureau credit monitoring, dark web search, and identity loss protection via its My Credit Manager product at $39.90 per month.

Ownership category

akta.pro rank

Product category

Consumer Credit Monitoring and Identity Protection

NAICS

Activities Related to Credit Intermediation (5223)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Credit Education, Monitoring & Consumer Credit Management Tools (FSAKAKAJ)

akta.pro secondary industry

Credit Bureaus & Consumer Credit Reporting Agencies (FSAKAKAA)

Keywords

• Credit monitoring service
• Credit score access
• Identity theft protection
• Dark web monitoring
• Consumer credit education

Headquarters

HQ city

Chattanooga

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Technology or R&D, Marketing or Sales, Personnel, Infrastructure

Revenue model

1. Monthly Subscription: Recurring monthly membership subscription at $39.90 per month. Auto-renews indefinitely unless cancelled. Trial-to-paid conversion model with 7-day trial periods available at $1.00.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

MyScore.com sells a consumer subscription membership that provides Vantage 3.0 credit score access, ongoing credit monitoring alerts from the major credit bureaus, a dark web search tool for personal data exposure, and a loss protection guarantee, all delivered through an online member portal on a $39.90/month recurring basis (with a $1 seven-day trial offer).

Product overview

MyScore.com offers a single unified product called My Credit Manager, which provides Vantage 3.0 credit score access and credit monitoring services from credit bureaus. The service is delivered through a personal member portal and operates on a monthly subscription membership model at $39.90 per month, with optional trial periods.

Differentiator

Problem solved

Functional benefit

Products and services

• My Credit Manager

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Three partnerships are on record, tiered minor and core.

• sccrsh.comminorOthersListed as an associated partner website under MyScore's partner network. No specific details on partnership nature provided.
• ExperiancoreTechnology or IntegrationCredit information provider. MyScore obtains credit data and credit scores through Experian as part of its credit monitoring services.
• CSIdentity CorporationcoreTechnology or IntegrationIdentity protection services provider. Supplies credit information and identity protection data integrated into MyScore's monitoring platform.

Recent moves5 records

Expansion highlights4 records

Direct peers

• myFICO: Subscription service providing FICO score access (the lender-used score), monitoring, and identity protection. Competes head-to-head with MyScore on monthly subscription credit monitoring for consumers who want the 'real' score.
• IdentityGuard (Aura): Subscription identity and credit monitoring service combining multi-bureau credit monitoring with identity theft protection and dark web surveillance, directly comparable to MyScore's bundled offering.
• ScoreSense: Subscription credit monitoring and identity protection service for consumers, very similar monthly membership positioning and feature set to MyScore.
• Credit Sesame: Free credit score and monitoring platform with paid premium tier offering identity protection and credit-building features — same consumer credit monitoring category as MyScore with hybrid freemium/subscription model.
• Credit Karma: Direct competitor offering free credit score, credit monitoring from Equifax/TransUnion, dark web monitoring, and identity protection features — same consumer credit monitoring and education category as MyScore, with a freemium rather than paid subscription model.
• IdentityForce: Subscription identity theft protection with credit monitoring, score tracking, and dark web surveillance — closely aligned consumer value proposition and pricing model.
• PrivacyGuard: Subscription credit monitoring, identity protection, and dark web scanning product with monthly and annual membership tiers — directly analogous offering structure and pricing model to MyScore.
• FreeScore360: Subscription multi-bureau credit score and monitoring service with identity protection features; closely comparable offering targeting the same consumer credit monitoring niche as MyScore.

Broad incumbents

• LifeLock (Norton): Incumbent in subscription identity protection with credit monitoring features and broader Norton cybersecurity ecosystem; overlapping value proposition at a larger scale than MyScore.
• Experian IdentityWorks: Direct-to-consumer credit monitoring subscription from a major credit bureau, offering multi-bureau score access and alerts — same core product category as MyScore but with bureau-level scale and brand.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights5 records

Customer concentration

• Xtwitter.com/MyScoreCom
• Facebookfacebook.com/MyScore

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about MyScore.com