ScoreSense is a subscription-based credit monitoring service that provides credit scores, full credit reports from all three major bureaus, and identity theft protection, operated by One Technologies, LLC.
ScoreSense is a consumer credit monitoring and education service that gives members access to their credit scores and full credit reports from Equifax, Experian, and TransUnion. In addition to monthly score and report updates, the service includes daily monitoring for key changes, alerts about potential identity theft, and access to credit specialists who help customers understand and improve their credit profiles. ScoreSense is operated by One Technologies, LLC, a company focused on financial information products and analytics.
A charge labeled “SP 10000 INC” on a card or bank statement is commonly an abbreviated billing descriptor for an active ScoreSense membership, typically reflecting a recurring monthly fee (often around $29.95) that began after a low-cost or free trial converted into a paid subscription. Payment processors and banks shorten merchant names and may use internal IDs, which is why the descriptor may not clearly say “ScoreSense.” Other related descriptors can include variants like “OTL*ScoreSense” or similar references to One Technologies. Charges may appear once per billing cycle as long as the membership remains active.
If someone does not recognize a “SP 10000 INC” charge, the first step is to verify whether they, or another authorized user, recently enrolled in a credit score or monitoring offer online—especially offers tied to loan applications, apartment applications, or ‘free score’ promotions. Users can log into their ScoreSense account (if they created one) to review billing history, or contact ScoreSense/One Technologies customer care by phone or chat to confirm membership details, cancel ongoing billing, or request refunds where appropriate. If the charge still appears unauthorized, the cardholder should contact their bank or card issuer to dispute the transaction and, if needed, request a new card to prevent further charges.
Bank Statement Variations
1 known variations
These are the raw merchant codes that appear on bank and credit card statements that we've identified as belonging to ScoreSense.
Why does my statement show “SP 10000 INC” instead of ScoreSense?
Banks and payment processors often shorten or code merchant names, and in this case “SP 10000 INC” is used as a billing descriptor for a ScoreSense credit monitoring membership operated by One Technologies, LLC. Even though the descriptor doesn’t say “ScoreSense,” the charge typically corresponds to your active ScoreSense subscription or trial that converted to a paid plan.
How much does a typical ScoreSense (SP 10000 INC) charge cost each month?
Most ScoreSense memberships bill as a flat monthly subscription fee, commonly around $29.95 per month, after any promotional or low-cost trial period ends. The exact amount on your statement may vary slightly with tax or regional pricing, but recurring charges in this range under “SP 10000 INC” or similar descriptors usually indicate an active ScoreSense plan.
I don’t remember signing up—how could I have gotten a ScoreSense (SP 10000 INC) charge?
Many customers enroll in ScoreSense through offers tied to credit checks for apartments, loans, or ‘free credit score’ promotions. These offers often include a 7‑day or short-term trial that automatically rolls into a paid monthly membership unless it is cancelled in time. If you see “SP 10000 INC” and don’t recall enrolling, think back to any recent credit-check or free-score offers you may have accepted online.
How do I cancel the subscription associated with the SP 10000 INC charge?
To cancel, log in to your ScoreSense account and navigate to the membership or billing section to request cancellation, or call ScoreSense customer care (operated by One Technologies) during business hours and ask to end your membership. Once cancelled, future “SP 10000 INC” or related ScoreSense charges should stop, though you will usually retain access until the end of the current billing period.
Can I get a refund for a ScoreSense charge billed as SP 10000 INC?
Refunds are handled case by case. If you believe you were billed after cancelling, or you did not understand that a trial would convert to a paid membership, contact ScoreSense customer support as soon as possible to explain the situation and request an adjustment. If they decline and you still believe the charge is unauthorized, you can escalate by filing a dispute with your card issuer or bank.
What should I do if I see multiple SP 10000 INC charges in a single month?
Multiple charges in the same month may reflect more than one membership (for example, separate enrollments for different email addresses), a retry of a previously declined payment, or overlapping trial and regular billing dates. Review your email for multiple enrollment confirmations, then call ScoreSense support with the exact dates and amounts so they can identify and consolidate or cancel duplicate accounts if appropriate.
Is SP 10000 INC a scam or a legitimate financial service?
The underlying service, ScoreSense, is a legitimate credit monitoring product operated by One Technologies, LLC and provides real credit scores, reports, and monitoring. However, some consumers have complained in the past about not realizing a ‘free’ or low-cost trial would become a recurring paid subscription. If you don’t want the service, you should cancel directly with ScoreSense and, if needed, dispute any charges you believe were not properly authorized.
How can I verify whether I actually have a ScoreSense account tied to this charge?
Start by attempting to sign in at scoresense.com using the email addresses you commonly use for online services, and use the password reset option if needed. If you can’t locate an account, call ScoreSense customer care and provide your name, the last four digits of your card, and the transaction date and amount for the “SP 10000 INC” charge so they can search their system and confirm whether a membership is in your name.
This merchant is in the Financial Services category