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LAST UPDATED: March 19th, 2021

Credit Sesame's personal credit management service gives you access to your credit score, credit report card, and credit monitoring. In addition, Credit Sesame offers identity protection, credit card offers, and credit education.  

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The Good

  • Free Membership
  • Triple-Bureau Monitoring and Reports
  • Financial Health Indicators
  • Identity Protection Services
  • SSN Not Required

Free Membership

Credit Sesame provides a fully-featured free membership level (no credit card required), which allows users to get a good taste of what their credit health is like by providing them with an overview of their credit from TransUnion along with a VantageScore credit score. Credit Sesame offers daily credit score and report refreshes. 

Triple-Bureau Monitoring and Reports

Credit Sesame's premium credit monitoring membership provides full credit reports from all three credit bureaus: Experian, Equifax, and TransUnion. Platinum Protection memberships also monitor your Social Security number, public records, and the use of personal information on black market websites. 

Financial Health Indicators 

Although most services are able to pull current loan payments and financial obligations, credit card balances, etc., Credit Sesame is unique in that it pulls a surprisingly accurate estimate of income. Pulling a user's estimated income (which users can modify if inaccurate) lets Credit Sesame providing users with their debt-to-income ratio, something many lenders take into account when extending credit, especially for mortgages.

Building upon the debt-to-income ratio, Credit Sesame puts your monthly credit obligations against your current income and estimates the interest rate you'll receive based on your credit score before showing you an estimate of how big of a mortgage you qualify for.

Identity Protection Services

Credit Sesame is one of the only services we've monitored that actually provides some (admittedly very limited) ID theft monitoring for free as part of its basic membership. While the free features are limited, they become more robust as one upgrades their membership, and we appreciate the effort to include even minimal ID monitoring as part of the free product.

SSN Not Required

Since the free service doesn't actually pull a full credit report, Credit Sesame doesn't require you to put in your full social security number. Instead, the company allows you to just enter the last four digits, which limits the exposure of free members in the event of a data breach and should help mitigate concerns anyone might have over handing over too much personal information.


The Bad

  • No Credit Reports with Free Service
  • No FICO Score

No Credit Reports with Free Service

Although the free service earns high marks for not requiring a credit card and provides plenty of functionality, it doesn't actually pull a full credit report for the user, just an estimate based on TransUnion data. For those looking to have full access to their credit reports at no cost, there are better options out there. If one is looking for a comprehensive monitoring solution, the free service here is probably not going to deliver.

No FICO Score

Credit Sesame provides its customers with a VantageScore 3.0 rather than a FICO score, which is the score that most lenders actually look at when deciding whether or not an individual is worthy of a loan. This could result in some users believing themselves to be more or less creditworthy than they actually are.



The Bottom Line

We feel very comfortable recommending Credit Sesame's free service. No credit card is required and you don't need to provide a full social security number, making it one of the safest credit monitoring options out there. Credit Sesame's credit card offers, debt information, and free identity theft protection set it apart from competitors. Although a smaller company than some of its rivals, Credit Sesame is taking steps to differentiate itself from competitors by providing unique tools that bring real value to the table.

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4 Reviews

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Jaime Liberty, MO

It gives an idea of how you're doing, but the numbers are always higher than the mortgage companies will get when they pull your score from FICO. So, if you're on the edge of "acceptable", do not assume you will get approved for a mortgage. I wouldn't have applied for a mortgage had I known they were not the same. I got a denied a mortgage and it put a "query" on my report. Which can lower your score. So, not too happy.

9 years ago

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Kathie Bowman Lakeside, CA

I just recently got on Credit Sesame and it has been very helpful. I got emails, texts and notifications about my credit

5 years ago

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Helen Collins

Credit Sesame has terrible customer service. I have emailed them about 10 times to try and get registered. They promise a 24 hour response time and I have had never had a response back.

6 years ago

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William Sioux City, IA

It was quick and basically the same rating as credit karma

9 years ago