An MVQ*FREESCORE charge on your credit card, debit card, or bank statement most likely represents a FreeScore credit-report, credit-score, identity-monitoring, or credit-monitoring membership. The transaction often includes the telephone number 800-316-8824 and may include the location abbreviation CT.
The charge may result from an older membership, a trial or promotional enrollment that continued into paid billing, an annual renewal, a monthly membership, or another membership arrangement. Review the exact descriptor, prior statements, enrollment emails, and FreeScore account information before deciding whether the transaction was authorized.
What Is MVQ*FREESCORE on a Credit Card?
MVQ*FREESCORE most likely identifies a FreeScore membership payment.
FreeScore is a membership program associated with services such as:
- Three-bureau credit reports
- Three-bureau credit scores
- Credit monitoring
- Identity monitoring
- Alerts about suspicious activity
- Fraud-alert assistance
- Identity-theft resolution support
- Access to an online membership dashboard
The statement descriptor does not identify the membership start date, plan, account email, trial terms, enrollment source, person who registered, or whether the membership is monthly or annual.
What Does MVQ Mean in MVQ*FREESCORE?
FreeScore’s public website does not appear to define what the letters MVQ mean in the card descriptor.
It may be internal merchant, membership, or payment-account wording, but the letters should not be expanded or interpreted without confirmation from FreeScore.
The more useful identification clues are:
- The FreeScore name
- The telephone number 800-316-8824
- The recurring amount and billing date
- FreeScore enrollment or renewal emails
- The member ID or account information
Common MVQ FreeScore Statement Variations
- MVQ*FREESCORE
- MVQ FREESCORE
- MVQ*FREESCORE 800-3168824
- MVQ*FREESCORE 800-316-8824
- MVQ*FREESCORE 8003168824
- MVQ*FREESCORE CT
- MVQ*FREESCORE 800-3168824 CT
- MVQ FREESCORE MEMBERSHIP
- FREESCORE.COM
- FREESCORE MEMBERSHIP
- CHECKCARD MVQ*FREESCORE
- POS DEBIT MVQ*FREESCORE
- RECURRING MVQ*FREESCORE
- PENDING MVQ*FREESCORE
- MVQ*FREESCORE REFUND
The exact formatting can vary by bank, card network, transaction type, and available statement space.
What Is 800-316-8824?
1-800-316-8824 is the customer-service and cancellation number currently published on FreeScore’s official support pages.
If this number appears directly beside MVQ*FREESCORE on the card statement, it is a strong indication that the transaction involves the FreeScore membership program.
When calling, have the following available:
- The member’s name
- The address used for enrollment
- The membership ID, if available
- The account email address
- The general charge amount
- The transaction date
- Only the last four digits of the card when requested through the verified telephone number
Do not provide a complete card number, Social Security number, bank password, PIN, CVV security code, or one-time authentication code unless you independently verify that it is necessary and that you are using an official secure channel.
Why Is FreeScore Charging My Card?
Possible reasons include:
- A FreeScore trial converted into a paid membership.
- An annual membership renewed.
- A monthly membership continued because it was not canceled.
- A promotional membership period ended.
- An older membership remained active.
- A spouse or other authorized card user registered for the program.
- The payment card was saved as the membership’s billing source.
- A previously declined membership payment was retried.
- The membership fee was divided into more than one transaction.
- The card information was used without the cardholder’s permission.
Check whether the charge repeats monthly, annually, or after an introductory payment. The billing pattern can help identify the membership arrangement.
Is FreeScore Actually Free?
The FreeScore name does not necessarily mean that every membership benefit is provided without a recurring charge.
FreeScore’s membership terms describe:
- Trial-period fees
- Promotional membership fees
- Annual payment plans
- Monthly payment plans
- Installment payment plans
- Automatic continuation or renewal
A consumer may initially enroll through a promotional or trial offer and later see a larger recurring membership fee if the membership is not canceled under the agreed terms.
Review the original enrollment page, confirmation email, membership materials, and renewal notices for the exact amount and schedule that applied to the account.
Is FreeScore Still Accepting New Members?
The FreeScore website still provides membership information, an account-support form, cancellation instructions, and membership terms.
However, company responses published in 2024 stated that FreeScore.com had not accepted new enrollments since 2015. This suggests that some current MVQ*FREESCORE billing questions may involve older or legacy memberships rather than a newly opened account.
Do not assume that every transaction containing “FreeScore” comes from this particular program. Confirm that the descriptor also includes MVQ, 800-316-8824, or other matching FreeScore account details.
What Does CT Mean on the Charge?
Some historical and current-looking variations include MVQ*FREESCORE 800-3168824 CT.
The official customer-service mailing address currently published by FreeScore is in Rolling Meadows, Illinois, not Connecticut. The CT abbreviation may therefore be older merchant-account, processor, or transaction-location metadata.
It does not necessarily mean that the membership was purchased in Connecticut or that the cardholder visited a physical location there.
How to Verify an MVQ*FREESCORE Charge
- Copy the complete statement descriptor exactly as displayed.
- Record the amount, transaction date, posting date, telephone number, and whether the entry is pending or completed.
- Review earlier statements for the same or similar recurring charge.
- Search every email inbox for FreeScore, FreeScore.com, MVQ, membership, trial, credit monitoring, renewal, 800-316-8824, and the exact amount.
- Check old email addresses that may have been used years ago.
- Look for a FreeScore member ID or membership card.
- Ask spouses, family members, and other authorized card users.
- Check whether the card was used for an older credit-score, identity-monitoring, or credit-report offer.
- Contact FreeScore through its official telephone number or support form.
- Ask the card issuer for expanded merchant information if FreeScore cannot locate the account.
How to Cancel an MVQ FreeScore Membership
FreeScore’s official FAQ directs members to call its Member Savings representatives to cancel.
- Call 1-800-316-8824.
- State clearly that you want to cancel the entire FreeScore membership.
- Provide the member name, address, account email, and membership ID if available.
- Ask for the effective cancellation date.
- Ask whether another membership fee is pending.
- Request a cancellation confirmation number.
- Request written confirmation by email or mail.
- Save the representative’s name, call date, time, and confirmation details.
- Review the next two card or bank statements.
FreeScore’s official contact form also includes a subject option labeled Cancel Member. The membership terms additionally allow written cancellation requests to be mailed to the membership address.
Can You Cancel FreeScore in Writing?
FreeScore’s published membership terms say a membership may be canceled by sending written notice to:
Member Savings
2850 W. Golf Road
Rolling Meadows, IL 60008
A written request should include enough information to identify the membership, such as:
- Member name
- Membership ID, if known
- Mailing address
- Account email
- A clear request to cancel
- The date of the request
Do not include a complete payment-card number or Social Security number in ordinary mail.
Consider using a mailing method that provides tracking or delivery confirmation, and retain a copy of the cancellation request.
Does Replacing the Card Cancel FreeScore?
Replacing, locking, or closing a card may stop a particular transaction, but it does not necessarily cancel the membership agreement.
FreeScore’s terms state that canceling a preauthorized debit through the bank does not serve as cancellation notice to the membership provider.
To stop the underlying membership:
- Cancel directly with FreeScore.
- Obtain confirmation.
- Then contact the bank if an additional payment is submitted after the effective cancellation date.
Can You Get an MVQ FreeScore Refund?
Refund eligibility depends on the membership plan, enrollment terms, billing period, cancellation date, and whether the membership benefits were accessed.
FreeScore’s published terms indicate that:
- An annual plan may qualify for a prorated or full current-year refund, depending on the terms accepted.
- An installment plan may qualify for a prorated or full current-year refund, depending on the enrollment arrangement.
- A monthly plan generally stops future charges but may not refund previous monthly fees.
- Some unused-benefit situations may qualify for review when reported within the applicable time limit.
- Trial, enrollment, or processing fees may not be refundable.
When requesting a refund:
- Call 1-800-316-8824.
- Identify the membership and charge.
- Explain when and how you attempted to cancel.
- Ask which refund terms apply to the membership plan.
- Ask for the refund amount, submission date, and confirmation number.
- Save emails, letters, call records, and prior cancellation proof.
- Monitor the original payment method for the credit.
Cancellation and refund requests are separate. A membership can be canceled without every earlier charge being refunded.
Why Are There Multiple MVQ*FREESCORE Charges?
Multiple entries could represent:
- A pending authorization followed by a completed payment
- A recurring monthly charge
- An annual renewal
- A promotional charge followed by the standard membership fee
- A failed payment followed by a successful retry
- A membership fee divided into incremental transactions
- More than one membership or authorized user
- A duplicate completed transaction
- Unauthorized card activity
FreeScore’s membership terms say the provider may divide a fee into incremental charges if the payment source cannot process the full fee.
Compare all completed transactions with the applicable membership fee before assuming that each entry represents a separate membership.
FreeScore Official Contact Information
- FreeScore customer service and cancellation: 1-800-316-8824
- Email: customerservice@coverdell.com
- Online contact form: FreeScore Contact Us
- Mailing address: 2850 W. Golf Road, Rolling Meadows, IL 60008
- Website: FreeScore.com
- Frequently asked questions: FreeScore FAQ
- Membership terms: FreeScore membership and cancellation terms
The previous version of this article listed CustomerService@adaptivemarketing.com. It has been replaced with the email address currently displayed on FreeScore’s official contact page.
What If FreeScore Cannot Find the Membership?
Consider whether:
- The membership was registered under an old address.
- A different email address was used.
- A spouse or family member enrolled.
- The account used a shortened name or previous surname.
- The charge comes from another business using a similar FreeScore name.
- The bank has additional merchant information that is not displayed online.
- The card information was used without permission.
Ask the issuer for:
- The complete merchant descriptor
- The merchant telephone number
- The merchant location
- The recurring-payment indicator
- The merchant category
- The authorization date
What If the MVQ*FREESCORE Charge Was Unauthorized?
- Confirm whether the transaction is pending or completed.
- Search all email accounts and older records.
- Ask all authorized card users.
- Contact FreeScore at 1-800-316-8824.
- Ask whether it can locate a membership matching the cardholder’s information.
- Request cancellation if an unfamiliar membership is found.
- Change passwords for any related email or financial accounts if account access is suspected.
- Lock the card if additional unfamiliar charges are appearing.
- Contact the issuer using the number printed on the card or its official app.
- Follow the issuer’s dispute process if no authorized membership explains the completed charge.
- Ask whether the card number should be replaced.
The presence of a recognizable FreeScore descriptor does not prove that the cardholder enrolled in or authorized the membership.
Consumer Reports and Experiences
There are currently zero visible cardholder reports on this page.
Because no visitor has provided a membership date, amount, billing schedule, enrollment method, cancellation outcome, or refund result, the charge should be investigated through the official FreeScore support routes, account records, email history, and the card issuer.
Frequently Asked Questions About MVQ*FREESCORE Charges
What is MVQ FreeScore?
MVQ*FREESCORE most likely identifies a FreeScore credit-report, credit-score, identity-monitoring, or credit-monitoring membership charge.
What is MVQ*FREESCORE 800-316-8824 CT?
It is a statement variation associated with FreeScore. The telephone number is FreeScore’s official customer-service and cancellation number. CT may be legacy processing or merchant-location metadata.
Is FreeScore the same as TransUnion?
No. FreeScore is a separate membership program that may provide access to information involving TransUnion, Experian, and Equifax. It is not the TransUnion credit bureau itself.
Is MVQ FreeScore the same as myFICO?
No. FreeScore and myFICO are separate services. Check the exact statement descriptor and the account where the credit product was purchased.
Why does MVQ FreeScore keep charging me?
A monthly, annual, installment, or legacy membership may still be active. Cancel directly through FreeScore and obtain confirmation.
How do I cancel MVQ FreeScore?
Call 1-800-316-8824, use the official contact form’s Cancel Member option, or send written cancellation notice to the published Rolling Meadows address.
Can I cancel FreeScore by email?
The official contact page lists customerservice@coverdell.com and provides a Cancel Member form. The official FAQ emphasizes telephone cancellation, so calling and obtaining confirmation is the clearest route.
Does deleting my credit-monitoring account stop the charge?
Not necessarily. Complete FreeScore’s formal cancellation process and obtain an effective cancellation date.
Does replacing my card cancel the membership?
No. Replacing or blocking a card does not necessarily cancel the membership agreement. Notify FreeScore directly.
Can I receive a refund?
Possibly, depending on the membership plan and circumstances. Annual and installment plans may have different refund rules from monthly plans. Ask FreeScore which terms apply to the account.
Why were there two FreeScore charges?
They could be a pending and completed payment, promotional and standard fees, recurring renewals, payment retries, incremental billing, or a duplicate transaction.
Should I dispute an MVQ*FREESCORE charge?
First check old memberships, emails, authorized users, and FreeScore records. Contact the issuer promptly if no authorized membership explains a completed payment or billing continues after confirmed cancellation.
Related Charge Guides
- TU TransUnion Credit Report or Monitoring Charge
- myFICO Credit Score and Monitoring Charge
- PVER3.US Credit Monitoring and Membership Charge
These guides cover other credit-report, credit-score, financial-monitoring, or recurring membership descriptors. Their inclusion does not mean the companies, memberships, or transactions are the same.
Help Other Cardholders Identify This Charge
If you saw MVQ*FREESCORE, MVQ*FREESCORE 800-3168824 CT, FREESCORE.COM, or another variation, please share what the transaction involved.
Helpful details include the exact descriptor, general amount, billing frequency, whether an older membership was found, how cancellation was completed, whether a refund was approved, and how FreeScore or the bank resolved the issue.
Do not post complete card numbers, bank-account numbers, Social Security numbers, credit-report details, membership IDs, home addresses, personal email addresses, passwords, PINs, CVV security codes, or one-time authentication codes.
Why Rely on ChargeOnMyCard.com?
ChargeOnMyCard.com researches confusing credit-card, debit-card, credit-monitoring, membership, recurring-payment, and bank-statement descriptors using current official merchant resources, published membership terms, transaction clues, statement variations, and visible cardholder reports.
When a statement shows an abbreviated membership name instead of a clear description, we explain how to compare the transaction with official account information, cancellation terms, email records, support channels, and expanded bank details.
Last reviewed: July 2026.
Disclaimer
ChargeOnMyCard.com is not affiliated with FreeScore, FYI Direct LLC, Coverdell, Generali Global Assistance, TransUnion, Experian, Equifax, any credit-reporting agency, membership provider, cardholder, bank, card network, payment processor, or financial institution. This article is for informational purposes only and is not financial, legal, banking, credit-reporting, credit-repair, identity-protection, membership, cancellation, refund, dispute, security, or fraud-prevention advice. Contact FreeScore, the applicable credit service, and your financial institution directly about a specific transaction.
