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Credit Sesame is a financial services company based in Mountain View, California, that provides free credit information to users. It was founded in 2010 by Adrian Nazari, who is still Credit Sesame's CEO. The company is backed by Inventus Capital and Menlo Ventures: two large venture capital firms. It is accredited by the BBB and has a B rating. Credit Sesame is one of four companies (Credit Karma, Quizzle, and Credit.com are the other three) that actually provide free credit scores and reports.

What Services Does Credit Sesame Offer?

Credit Sesame gives users free access to their Experian National Equivalency score, alerts them to major changes in their credit data, provides a complimentary $50,000 identity theft insurance, and consolidates all their debts and income into one dashboard so they can easily track their finances over time. Credit Sesame allows you to create credit goals, and details what steps you need to take to achieve them. It also provides personalized recommendations for loans, credit cards, mortgages and investments. Although Credit Sesame doesn't deny receiving commissions on the sales in generates, it does claim the recommendations are generated by an unbiased analytics engine that only takes into account users' credit profile, financial goals and available products.

Credit Sesame does not offer users access to their credit reports. This has to be bought separately. It doesn't include their FICO score either. Although the Experian National Equivalency score will help you get a feel of your credit health and is usually similar to your FICO score, it is not the score lenders use. To be fair none of the free credit score and reporting companies provide a FICO score. However, Credit Karma does include full access to the Experian's credit report and their VantageScore, which is used by some lenders.

How Does Credit Sesame Work?

Credit Sesame provides credit scores and credit monitoring for free. They don't even require a credit card, so there's no way for them to charge fees by “mistake.” As with any other credit reporting company, Credit Sesame users must confirm their identity and register an account before they get access to their credit score. This requires users to provide personal information, such as their name, their date of birth and Social Security Number.

Credit Sesame provides advice on mortgages, CDs and credit cards, as well as credit reporting and identity theft insurance. The way it combines key financial products and information in one place is what differentiates it from similar services.

How Much Does Credit Sesame Cost?

Credit Sesame is truly free. This doesn't mean there aren't strings attached. You have to agree to Credit Sesame using your financial information to generate personalized ads, which are plastered all over the site. The only website that offers no strings attached access to all three credit reports is annualcreditreport.com.

How is Credit Sesame Better/Worse Than Other Credit Reporting Companies?

Credit Sesame gives users free access to their Experian National Equivalency score, includes credit monitoring of Experian's credit data, and also manages to include a $50,000 identity theft insurance. At the price of free, Credit Sesame is an excellent way to monitor your credit score for free. The company has been in business for five years, has all the right security certificates required to manage confidential financial information and is an accredited BBB business.

However, it doesn't provide users with access to their credit reports or their FICO scores. These have to be bought separately. This means you don't get access to the underlying factors that are affecting or benefiting your credit. The score it does offer (Experian National Equivalency score) is not used by lenders, so although helpful, it doesn't provide a precise picture of the credit profile lenders use.

  • No Monthly Fees
  • Fix Credit Report Errors
  • Identity Theft Insurance
  • 3-Bureau Credit Monitoring
  • FICO Score Available
  • Online Credit Education
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0 votes

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!


0 votes

Nothing but great things to say about this company. They make the entire user experience a positive one. Their site is easy to use and offers really helpful information if you are trying to improve your credit score.


0 votes

Thanks to the great people at credit sesame, I was able to not only start improving my credit report, but I actually qualified for a loan from one of the companies that they suggested! I could not be happier with their service and recommendations. Thank you guys!


0 votes

I have tried some of the other credit monitoring sites and when tell you it's free, they are usually lying. Sure, there is a free trial period, but they want your credit card information up front and if you don't call to cancel they start charging you every month.


0 votes

I love credit sesame - the only problem I have ever had with them is getting in touch with someone when I try to call their customer service line. But other than that, I am really happy with all the services that they provide.


0 votes

I don't understand why creditsesame has such horrible reviews on other sites - this is a great website to monitor your credit score on a regular basis. And who can argue with free? I love how they match you up with offers that can help you improve your score and it really seems like they care about their customers.


0 votes

I am house hunting with my fiance. Recently, the realtor we're working with kept mentioning various credit scores and how those scores could end up allowing us to get the home of our dreams. We felt kind of dumb, because we had no idea of our scores! We didn't tell her, of course. Instead, we went home that night and found Credit Sesame. Now we can speak with authority about our scores as we house hunt.


0 votes

I'm in love with Credit Sesame! 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 75 points! So exciting. I didn't think it could happen, but it did. Totally worth signing up.


0 votes

Have you checked out the Credit Sesame blog? There are some super helpful tips on there as to how to raise your credit score, save money, etc. I'm super glad they give you the perks of accessing your credit score and getting monitoring, but honestly, the blog would even be worth it!

0 votes

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 monitor your credit profile online and through mobile apps. And they are both free.

As I mentioned earlier, the upsell attempts ... through CreditSesame seemed more blatant, but it's not like it was obnoxious. The services offered were relevant, and I am assuming that they were at least marginally vetted. The ads didn't bother me *that* much considering the service is free for users. I recognize that the company has to make money somehow. CreditSesame has a good rating with the BBB and my experience with the service was OK. But I didn't need two credit monitoring services, so I made a choice. Your mileage may vary. More Less


0 votes

For several years, I was terrified to check my credit score! Sounds stupid, I know, but I figured what I didn't know wouldn't kill me. Well, I was wrong! I saw a friend go through identity theft, so I thought, what I don't know could ruin me. I was pleasantly surprised to find that my credit score is good. Now I can stay on top of it and make sure it stays good thanks to Credit Sesame.


0 votes

Is the score you get at CreditSesame totally accurate like FICO--no it isn't, but what do you expect for free?? I can tell you that I've compared my Credit Sesame score and my FICO and they are pretty darn close! Close enough to not make that much difference. So rather than worrying about this, just sign up and see for yourself!


0 votes

I'm older and a little old school when it comes to my finances, so when I heard about Credit Sesame initially, I thought, I'll just check my credit score the "old fashioned" way. Bad idea. First of all, mailing requests in for your credit score nowadays is totally inconvenient and just doesn't work. I finally gave in and just signed up with Credit Sesame. It ended up being one of my best financial decisions yet.


0 votes

This place is totally legit and is actually free. I was a little skeptical when I signed up, but I soon learned that they deliver on their promises. One promise was access to my credit score and monitoring--all done first class! Another promise was if I paid attention to their advice my credit score would go up. It did!!


0 votes

The analysis that Credit Sesame does of your financial situation is totally worth doing. Yes, they offer you targeted products after you get the anaylsis, but so what. You get targeted every time you turn on the TV and watch an ad. I would suggest taking the suggestions you get from the analysis and really taking a look at them. You'll be surprised at how great they are.

0 votes

Another great tool, like Credit Karma, that offers free credit scores and monitoring. Their scores are not the FICO score, so make a note when you are looking at it.


0 votes

Signing up for this site should be no-brainer and part of Personal Finance 101! Signing up is super easy, and they have a lot of great info on the site about your finances and how to raise your credit score. They also monitor your credit and send you alerts. Like I said, signing up is totally no-brainer. So use your brains and sign up!


0 votes

It really helps you to be successful financially and to get your finances together if you have a tool for checking on your progress and making sure you are on the right track. Credit Sesame is such a tool. You get credit monitoring and alerts and your score. I'm now wondering how I got along without it.


0 votes

How refreshing to find a company that says they offer free services that are actually free! I knew they were telling the truth when I signed up and they didn't ask for my credit card info. And then I had access to my credit score! It's not the exact FICO score, but I know it's close, because it was almost the same as what a lender recently told me when I applied for a loan.


0 votes

I've compared my FICO score I got from the bank when I was refinancing my mortgage and the one I get from Credit Sesame, and I have to say that it was almost the same! I was happy to see that. Now I know when I get my Credit Sesame score that it is pretty much spot on!

0 votes

My experience went extremely well and led to me signing up for Credit Sesame, and I would strongly encourage you to do the same and at least try it out. Whether you are trying to understand your options as you try to consolidate student loans or refinance your home mortgage, Credit Sesame can give you all the tools you need to make the best possible financial decisions for yourself and for your future.


0 votes

A bad breakup with my boyfriend left me feeling exposed financially. We had opened up a bunch of credit cards together, and even took out a loan to fix up his car (I know, I know!) Anyway, I was thinking my credit might be in the toilet and I was totally stressed. A friend told me about Credit Sesame, and I signed up and saw that my score isn't that bad afterall. And even better I can keep checking on it!


0 votes

For anyone trying to clean up their financial act this should be the first place you sign up. Credit Sesame has so many great tools. Of course there is the free credit score, but they also do analysis of your financial situation and monitoring alerts and identity theft protection. Like I said, go here first!


0 votes

Absolutely love this site!! Free credit scores? Really, how can you go wrong by signing up. The only reason you wouldn't want to sign up is if you don't want to get into a better place financially. When you do sign up, take advantage of everything they have to offer, including their many great articles.


0 votes

I am so glad I signed up for Credit Sesame! I wasn't sure what my score was and I was really confused by all of the places you can pay to get your score, but then I saw this, and I got my score for free. Totally cool! Now I know where I stand so I can make some changes. Really happy.


0 votes

I started using Credit Sesame, because it's such a good tool for setting financial goals. Once I started using this site, I started to actually meet my financial goals for the first time in my life--and I'm almost 50! It's also great to have access to my credit score and the analysis they do of your credit and outstanding loans.


0 votes

You know you've found a great company when they give you a service for free that others are charging for and they do it with a smile! My interactions both on the phone and via email with Credit Sesame have been pleasant. I know I feel pleasant getting my score and having them monitor my credit.


0 votes

No matter your financial goals, Credit Sesame can help. I got a good degree, but I had a bunch of student loans to pay off as a result and owed some money to relatives. I saw Credit Sesame gives a free analysis, and I thought, why not? I took advantage of their free analysis and boy am I glad I did! I've been able to consolidate my student loans and paid off one relative. He's happy and so am I!


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