Last Updated: 08/14/2025
SuperMoney User Recommendation Score -29
Mostly not recommended7 total votes
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Highlights
Community Rating
Mostly not recommended
Identity Protection
- Identity Restoration Support
- Identity Theft Insurance
- Identity Theft Monitoring
Monthly Service Fee
$0 - $19.99(Verified 08/14/2025)
Disclaimer popup with additional information
Number of Reviews
Credit Sesame Credit Monitoring Review
Credit Sesame Credit Monitoring Pros & Cons
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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?
Credit Sesame Credit Monitoring charges a monthly fee that ranges from $0 up to $19.99.Does Credit Sesame Credit Monitoring offer a 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®. 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
What features does Credit Sesame Credit Monitoring offer?
Here is a summary of the features Credit Sesame Credit Monitoring offers.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Credit Bureau Reports | TransUnion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Credit Monitoring Features |
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| Credit Report Frequency | Monthly | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Identity Protection |
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Does Credit Sesame Credit Monitoring offer identity protection?
Credit Sesame Credit Monitoring does not provide identity protection services.What is the identity theft insurance limit?
Credit Sesame Credit Monitoring 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 Credit Monitoring membership?
To cancel your Credit Sesame membership, 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, and address.
- Check the information is accurate and submit your application.
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Message from Credit Sesame
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
Headquarters
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
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users mostly don't recommend this product, giving it a user recommendation score of -29, or 2.4 on a 5-point rating scale.
-29
-1000+100
No one recommends
Everyone recommends
Credit Sesame Credit Monitoring Community Reviews
Would you recommend Credit Sesame Credit Monitoring to your friends?
TZ
Tina Z.
Feb 7, 2024
May or may not recommend
Know nothing about the site and to me that means everything
CH
Caroline H.
Feb 13, 2022
May or may not recommend
supposed to be free and then they want your card to charge and then you cannot cancel
MO
Micheal O.
Dec 24, 2020
May or may not recommend
I'm happy I signed up for credit sesame! A great website to check out your credit score regularly for free!
They give you good advice to ensure you make the best financial decisions for yourself. They care a lot about their customers and that is one good thing about them.
AB
Alfonso B.
Feb 1, 2019
May or may not recommend
Well for me if it's free I'm in like flin lol??????????
Beverly K.
Jun 20, 2018
May or may not recommend
"There are no free rides in this life?You get what you pay for... It's just that simple!". 1 Cor. 9:17 (145) & 1 Cor.10:1-13
Jason G.
Jan 4, 2016
May or may not recommend
I signed up to find out my credit score, but since being a member for the last year, I've also followed their advice and have raised my credit score by 50 points!
Audrey H.
Jun 19, 2014
May or may not recommend
I used CreditSesame and CreditKarma side by side for several months on my computer, and ultimately CreditKarma won. The interface seemed clearer and the upsell was much less blatant. That said, the services are roughly comparable, although the information seemed less data driven than the information provided by CreditKarma, at least in my option. They both offer free credit reports and free credit scores, and both allow you to ...Show More
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