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Media > Newsletters > Consumer Advocate > December 2014 > Attorney General DeWine, FTC, and Illinois AG Announce $22 Million Settlement with Credit Monitoring

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Attorney General DeWine, FTC, and Illinois AG Announce $22 Million Settlement with Credit Monitoring Service

The business that owns ScoreSense has agreed to change its business practices and pay $22 million to resolve claims that it deceptively marketed its online credit monitoring services, according to an agreement recently announced by Ohio Attorney General Mike DeWine, the Federal Trade Commission, and Illinois Attorney General Lisa Madigan.
Of the total payment, $21.9 million will be made available for consumer restitution.
“Consumers thought they were signing up to get a free credit score but really they were enrolling in a service costing $29.95 a month,” Attorney General DeWine said. “We are pleased to be part of this settlement, which provides substantial relief for consumers. Not only will the business pay millions to reimburse consumers, it also will significantly change the way it markets its services.”
ScoreSense is owned by One Technologies, a Texas-based business that also operated MyCreditHealth and marketed through at least 50 websites, including,, and, according to the lawsuit.
The business bought advertising on search engines, such as Google and Bing, so that ads for the websites appeared near the top of search results when consumers looked for terms such as “free credit report.” The most prominent ad stated, “View your latest Credit Score from All 3 Bureaus in 60 seconds for $0!”
In the lawsuit, the Federal Trade Commission, Ohio Attorney General, and Illinois Attorney General allege that the business purported to offer consumers “free” online access to their credit scores but failed to adequately disclose that, by accessing their score, they would be enrolled in a credit monitoring program costing $29.95 per month until they called to cancel.
Consumers who wanted to cancel often had to call repeatedly and, in some cases, consumers who claimed they did not knowingly enroll in the service were denied refunds.
At least 210,000 consumers contacted banks, credit card companies, law enforcement agencies, and the Better Business Bureau to complain about the scheme. More than 50 complaints were filed with the Ohio Attorney General’s Office alone. 
The lawsuit charges the business with violations of state and federal consumer protection laws, including the Restore Online Shoppers’ Confidence Act (ROSCA). ROSCA regulates online transactions involving a negative option, in which the seller interprets consumers’ silence or inaction as permission to charge them.
In addition to the injunctive relief, the settlement includes a $50,000 payment to Ohio and a $50,000 payment to Illinois. The remainder of the $22 million will be paid to and distributed by the Federal Trade Commission.
If you suspect a scam or an unfair business practice, report it to the Ohio Attorney General’s Office at or by calling 800-282-0515.