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  Credit Sesame Credit Monitoring
Credit Sesame Credit Monitoring
in Credit Monitoring Services from Credit Sesame
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Credit Sesame Credit Monitoring

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in Credit Monitoring Services from Credit Sesame
SuperMoney Net Recommendation Score -17  

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of -17, equating to 2.7 on a 5 point rating scale.

-17

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Mostly not recommended

2 users recommend
1 user is unsure
3 users don't recommend
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Highlights
Community Rating Mostly not recommended
Monthly Fee $0
(Verified 08/04/2023)
Number of Reviews 6

Credit Sesame Credit Monitoring Review

Credit Sesame Credit Monitoring Pros & Cons

Pros Cons
  • TransUnion's credit report.
  • Helps with disputing errors on your credit report.
  • Free credit monitoring.
  • Will help you put a freeze on your credit report.
  • Provides identity protection.
  • Only offers access to the data of one credit bureau.
  • FICO Scores are not available.
  • No free trial available.
  • Does not provide access to all three national credit bureau reports.
  • Does not allow you to check your updated credit report anytime you want.

Credit Sesame Credit Monitoring FAQ

What is Credit Sesame Credit Monitoring?

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 Credit Monitoring.

How much is Credit Sesame Credit Monitoring?

No, Credit Sesame Credit Monitoring doesn't charge a monthly fee.

Does Credit Sesame offer free credit monitoring services?

Yes, Credit Sesame Credit Monitoring offers free credit monitoring services.

Does Credit Sesame Credit Monitoring offer a free trial?

No, Credit Sesame Credit Monitoring does not offer a free trial. However, that's not a problem because it already provides free credit monitoring services.

How accurate is Credit Sesame Credit Monitoring?

Credit Sesame Credit Monitoring 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 Credit Monitoring 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 Credit Monitoring 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 Credit Monitoring update?

Credit Sesame Credit Monitoring allows you to check an updated version of your credit report monthly.

What features does Credit Sesame Credit Monitoring 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 Credit Monitoring offers.

Credit Sesame Credit Monitoring Features
Description
Credit Bureau Reporting TransUnion
Credit Monitoring Features
  • Mobile App
  • Dispute Help
  • Account Freeze Help
  • Free Credit Monitoring
  • Online Credit Education
Credit Report Frequency Monthly
Identity Protection
  • Identity Theft Insurance
  • Identity Theft Monitoring
  • Identity Restoration Support

Does Credit Sesame Credit Monitoring offer identity protection?

Credit Sesame Credit Monitoring offers the following identity protection service.
Identity Protection
Supported Options Unsupported Options
  • Identity Theft Insurance
  • Identity Theft Monitoring
  • Identity Restoration Support

What is the identity theft insurance limit?

Credit Sesame Credit Monitoring offers a maximum coverage for identity theft of $50,000.

Does Credit Sesame Credit Monitoring help with fixing credit report errors?

Yes, Credit Sesame Credit Monitoring helps dispute incorrect or incomplete items on their credit reports.

Does Credit Sesame Credit Monitoring help you put a credit freeze on your credit report?

Yes, Credit Sesame Credit Monitoring Will help you put a freeze on your credit report with all three credit bureaus.

How to contact Credit Sesame Credit Monitoring?

The easiest way to contact Credit Sesame Credit Monitoring 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 Credit Monitoring?

To cancel your Credit Sesame Credit Monitoring 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 Credit Monitoring?

  1. Visit the Credit Sesame Credit Monitoring website.
  2. Fill in the enrollment form. You will typically need to provide general financial information, such as your name, Social Security Number, and address.
  3. Check the information is accurate and submit your application.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Credit Sesame

Monitor your credit, at a glance. Credit Sesame updates your credit information each month. You can easily see your credit score, as well as a breakdown of your various credit accounts. We provide a detailed snapshot of your debt, your loan payments, your interest rates and your credit utilization all on one convenient and easy-to-use dashboard.

Is Credit Monitoring Really Free? Yes! Sign up now to get free credit monitoring, no credit card needed. Credit Sesame’s 100% free credit monitoring service is hassle-free with no strings attached. You simply need to answer a few questions to create your account, and we never ask for your credit card information. In as little as 90 seconds, you can be on the path to taking charge of your finances and keeping tabs on your credit. There are no trial periods or commitments. We use industry standard encryption to keep your personal information secure.

Message From Our Editor

What We Love About Credit Sesame

Credit Sesame allows users to view the credit score completely free. This is not a “free trial” or any other kind of gimmick. Unlike other “free” websites, Credit Sesame does not ask for your credit card number either, so they could not charge you even if they wanted to. 

It only takes about 90 seconds to create an account, and you’ll have immediate access to your credit information.

What Could Credit Sesame Do Better?

Credit Sesame gives its customers their TransUnion’s equivalency score. This score is useful because it gives you a good idea of your credit’s health. However, it is not the score most lenders see: your FICO score.

In other words, Credit Sesame users are still getting a useful score that will help them plan and make financial decisions, but we would like to see them offer your fico score for free. Your TransUnion Equivalency Score and your Fico Score may only be a few points off for some users. For others, there could be a difference of over 30 points. 

Credit Sesame’s Backstory

Credit Sesame was launched in 2010 and is headquartered in Mountainview, California. Credit Sesame is safe and uses the same security measures as banks and the government to keep your information safe and secure. 

It offers both free and premium services to help you monitor your credit health, refinance debt, and sign up for credit cards and loan services. You don’t have to provide them with your credit card, and they only request the last four digits of your social security number, making the signup process quick and easy.

The Verdict

Credit Sesame provides an excellent service for an unbeatable price. They allow free access to your TransUnion credit score (not your FICO score). Credit Sesame provides a free analysis of your credit report, $50k identity theft insurance, and personalized recommendations on mortgages and credit cards. There is no downside to registering with Credit Sesame and a lot to learn and benefit from its free credit and debt tools.

Contact

Hours of Operation

  • Sunday 12:00am - 11:59pm
  • Monday 12:00am - 11:59pm
  • Tuesday 12:00am - 11:59pm
  • Wednesday 12:00am - 11:59pm
  • Thursday 12:00am - 11:59pm
  • Friday 12:00am - 11:59pm
  • Saturday 12:00am - 11:59pm

About Credit Sesame Credit Monitoring

View Credit Sesame Profile

Feature Breakdown

Monthly Fee $0
(Verified 08/04/2023)
Credit Bureau Reporting TransUnion
Credit Monitoring Features
  • Mobile App
  • Dispute Help
  • Account Freeze Help
  • Free Credit Monitoring
  • Online Credit Education
Credit Report Frequency Monthly
Identity Protection
  • Identity Theft Insurance
  • Identity Theft Monitoring
  • Identity Restoration Support
Access to Credit Report
Online Credit Education
Identity Theft Insurance Limit $50,000

Credit Sesame Credit Monitoring Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of -17, equating to 2.7 on a 5 point rating scale.

-17

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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