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Credit Sesame Review
What is Credit Sesame?
Credit Sesame is based in Mountain View, CA and was founded in 2010. Credit monitoring is the process of reviewing your credit reports for accuracy and changes that may be caused by fraudulent activity. You can monitor your credit by yourself or by using a credit monitoring service, such as Credit Sesame.
How much is Credit Sesame?No, Credit Sesame doesn't charge a monthly fee.
Does Credit Sesame offer free credit monitoring services?
Yes, Credit Sesame offers free credit monitoring services.
Does Credit Sesame offer a free trial?Yes, Credit Sesame offers the option of a trial for a nominal price. However, check the terms of the trial. Usually, trials require a small fee and auto-renew into a full membership after the trial period.
How accurate is Credit Sesame?Credit Sesame is as accurate as the information on your credit bureau reports. Only you can tell if the information is incorrect or incomplete.
Your credit reports can differ significantly depending on which credit bureau's data you use. So, it is a good practice to check all three credit reports. However, Credit Sesame only offers access to TransUnion's credit report.
Credit scores also vary depending on the model used, such as Vantage or FICO 8. Credit Sesame does not give you access to your FICO score. Other score models, such as VantageScore, are useful but they don't show you the score most lenders are looking at.
How often does Credit Sesame update?Credit Sesame allows you to check an updated version of your credit report monthly.
What features does Credit Sesame offer?
There are many credit monitoring services, free and premium, to choose from. So, you can get picky when it comes to credit monitoring features. Here is a summary of the features Credit Sesame offers.
|Credit Bureau Reporting||N/A|
|Credit Monitoring Features||N/A|
|Credit Report Frequency||N/A|
Does Credit Sesame offer identity protection?Credit Sesame offers the following identity protection service.
|Supported Options||Unsupported Options|
What is the identity theft insurance limit?Credit Sesame offers a maximum coverage for identity theft of $50,000.
Does Credit Sesame help with fixing credit report errors?Yes, Credit Sesame helps dispute incorrect or incomplete items on their credit reports.
Does Credit Sesame help you put a credit freeze on your credit report?
Yes, Credit Sesame Will help you put a freeze on your credit report with all three credit bureaus.
How to contact Credit Sesame?
The easiest way to contact Credit Sesame is visit their website and go to their help and support page. You can typically find a link on the footer of their homepage. If you're interested in opening an account, click here.
How to cancel Credit Sesame?
To cancel your Credit Sesame account, log in as you usually do. Go to your profile or account page and request a membership cancellation.
How can I join Credit Sesame?
- Visit the Credit Sesame website.
- Fill in the enrollment form. You will typically need to provide general financial information, such as your name, Social Security Number, address, annual income, and source of employment.
- Check the information is accurate and submit your application.
How does Credit Sesame compare to other credit monitoring companies?
|No Monthly Fees|
|Max Monthly Fee||$0|
|Credit Bureau Reporting||TransUnion|
|Credit Monitoring Features||
|Credit Report Frequency||Monthly|
|Online Credit Education|
|Identity Theft Insurance Limit||$50,000|
|Identity Theft Insurance|