- Free membership
- Triple-bureau monitoring and reports
- Daily refreshes
- Debt-to-income ratio
- Home buying power
- Mobile app
- Identity protection services
- No full social security number required
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.
Naturally, Credit Sesame offers the free service to give users idea of how the service works and entice them into upgrading to the Pro Credit membership, which ranges from $9.95 to $19.95 per month, but the free membership is perfectly functional on its own.
Triple-Bureau Monitoring and Reports
Impressively enough, in the opinion of our reviewers, the best value from Credit Sesame may not even be in the free service, but in the Pro Credit membership, which provides full credit reports from all three credit bureaus-Experian, Equifax, and TransUnion.
Credit Sesame offers daily credit score and report refreshes, which is one of the best refresh rates in the industry.
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.
Home Buying Power
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.
It's important for any credit monitoring service in this day and age to provide access to key information on the go, and Credit Sesame delivers by offering mobile apps for both Android and Apple devices (including the Apple watch). We sampled the mobile app offerings and encountered no issues accessing the full site functionality through these apps.
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.
No Full Social Security Number 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.