Credit Sesame Review
This service makes it easy to get your free Experian credit score, no credit card needed, ever. They have recently added credit monitoring as a feature members can benefit from, although it only monitors one credit bureau - Experian. Check this one out if you want to monitor your Experian credit report with a free score updated monthly. However, if you are interested in more ID theft protection features, you will want to check out the Premium Services.
Pros: Our favorite! Free Experian credit score, monthly score updates, basic 1-bureau credit monitoring (Experian).
Cons: Only monitors one credit bureau, no credit report included, no "credit report card" like some other services.
|Credit Scores||Experian credit score|
|Credit Reports Monitored||Experian|
|ID Theft Coverage||$50,000|
Credit Sesame is a great 100% free way to check and monitor your free Experian credit score. Similar to Credit Karma, except this one provides your Experian credit score whereas Credit Karma provides your TransUnion score. Now you can also get free monitoring of your Experian credit report, with alerts of significant changes to your credit file.
Free credit scores
Credit Sesame gives you free access to your Experian credit score, with the ability to update your credit score once per month, and a feature to track how your credit score changes over time. They will also tell you how your score stacks up to other members of their service. Pretty standard features for checking and monitoring your credit score. However, if you want to check and monitor all 3 credit scores, check out a premium credit monitoring service such as Identity Guard.
Daily credit monitoring and alerts
Credit Sesame will monitor your Experian credit report on a daily basis, and provide notifications of any significant changes to your credit files. Certain changes can indicate fraud in your name, so it’s a nice added feature. You will not be able to see the details of your report though, you will need to check out some premium services for that.
Is Credit Sesame free?
Yes, Credit Sesame is 100% free. They make their money from offering you various credit cards and presenting you with loan offers based on your specific situation. This advertising is not intrusive though, and is well integrated into the experience. So yes the site is free, but that is your payment to them for your membership.
ID theft coverage?
Credit Sesame offers no ID theft prevention and coverage, beyond the basic 1-bureau credit monitoring. Check out Identity Guard if protecting your identity is something you are interested in.
In our opinion, Credit Sesame is not the best ad-supported free credit score service out there, but if you want to get your free Experian credit score, it’s definitely one to check out. However, we do believe that their website is one of the easiest to use, thumbs up to their web design team!