A “View Free Score” charge on your bank or credit card statement comes from ViewFreeScore.com, a credit monitoring subscription run by Golden Few, LLC of Montgomery, Alabama.1ViewFreeScore.com. ViewFreeScore Homepage The charge usually appears after someone signs up for what was advertised as a free credit score and is then enrolled in a paid monthly membership. You can cancel by calling (866) 460-2315 or using the chat tool inside the member portal, and if the company won’t refund you, your credit card issuer can be asked to reverse the charge.2ViewFreeScore.com. Member FAQ
How to Cancel the Subscription
ViewFreeScore.com’s FAQ lists two ways to end the membership:2ViewFreeScore.com. Member FAQ
- Call (866) 460-2315. Hours are Monday through Friday 9 AM to 9 PM ET, Saturday 9 AM to 4 PM ET, and Sunday 1 PM to 6 PM ET.
- Log in to the member portal and use the chat service.
Have your Member ID, full name, and the address used at sign-up ready before you call or chat. The site states that once you cancel, no further charges will be billed.2ViewFreeScore.com. Member FAQ
How to Dispute the Charge With Your Bank
If the company refuses to refund you, or if the charge was never authorized in the first place, the Fair Credit Billing Act gives you the right to dispute it through your credit card issuer. The FTC’s guidance lays out the steps:3Federal Trade Commission. Using Credit Cards and Disputing Charges
- Your written dispute must reach the card issuer within 60 days of the statement date on which the charge first appeared.
- Send the letter to the issuer’s billing inquiry address, not the payment address. Include your name, account number, the charge amount and date, and why you believe the charge is wrong, with copies of any supporting documents. Certified mail with a return receipt gives you proof of delivery.
- The issuer must acknowledge your dispute within 30 days and resolve it within 90 days.
- While the investigation is pending, you don’t have to pay the disputed amount or related finance charges, and the issuer cannot report you as delinquent on that charge.
Federal law caps your liability for unauthorized credit card charges at $50, and many issuers waive even that under zero-liability policies.3Federal Trade Commission. Using Credit Cards and Disputing Charges If you think the charge is tied to identity theft, the FTC directs consumers to IdentityTheft.gov to file a report and build a recovery plan.
Why the Charge Showed Up Without Warning
ViewFreeScore.com uses a billing structure the FTC calls a negative-option feature: a consumer responds to a free credit score offer, and silence or failure to cancel within a trial window is treated as consent to recurring monthly charges. This exact model has driven FTC enforcement actions for years. In 2014, One Technologies LP, the operator of ScoreSense and more than 50 sites including FreeScore360.com and FreeScoreOnline.com, paid $22 million to settle claims that it lured consumers with free score ads and then enrolled them in a $29.95-per-month subscription without clear disclosure.4Federal Trade Commission. FTC, Illinois, Ohio Stop Scheme That Offered Free Credit Scores Then Charged Consumers for Credit Monitoring A separate case against Credit Bureau Center LLC ended in $5.2 million in consumer redress.5Federal Trade Commission. FTC Sends Refunds to Consumers Harmed by Credit Bureau Centers Fake Rental Property Ads No public record in the available research connects ViewFreeScore.com or Golden Few, LLC to those companies, but the billing pattern is the same one regulators have targeted.
What the FTC’s Click-to-Cancel Rule Gives You
In October 2024, the FTC finalized the Rule Concerning Recurring Subscriptions and Other Negative Option Programs. It took effect on January 14, 2025, with a compliance deadline of May 14, 2025, and applies to nearly all subscription and negative-option programs.6Federal Trade Commission. FTC Announces Final Click-to-Cancel Rule7Federal Register. Negative Option Rule The requirements are plain: sellers must make cancellation at least as easy as sign-up, must clearly disclose all material terms before collecting billing information, and must get unambiguous affirmative consent before charging you. A company that signed you up online cannot force you onto a phone call to cancel. The rule does not preempt stricter state consumer protection laws.8Federal Trade Commission. Click to Cancel – What It Means for Your Business
Free Ways to Check Your Credit Instead
Once you’ve canceled, you don’t need a paid service to see your credit information. Several genuinely free options exist:
- AnnualCreditReport.com is the only federally authorized source for the free credit reports you’re entitled to by law from Equifax, Experian, and TransUnion. The three bureaus have permanently extended free weekly online reports through the site, and reports can also be requested by phone at (877) 322-8228.9Federal Trade Commission. Free Credit Reports10Consumer Financial Protection Bureau. How Do I Get a Free Copy of My Credit Reports
- Experian offers free access to your Experian credit report and FICO Score 8 with no credit card required. The score updates daily and checking it doesn’t affect your credit.11Experian. Free Credit Score
- Many credit card issuers now show a free credit score on monthly statements or in their apps.12Consumer Financial Protection Bureau. Can I Get My Credit Score for Free
One distinction to keep in mind: a credit report and a credit score are different products. The free annual reports from AnnualCreditReport.com do not include a score.12Consumer Financial Protection Bureau. Can I Get My Credit Score for Free Between Experian’s free tool and what most card issuers already provide, there’s little reason to pay a monthly fee for a number you can see at no cost.