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Get free credit score, free credit monitoring and free identity theft insurance from Credit Sesame. All of these with the basic plan.
Credit Sesame is a legitimate credit service company providing free basic credit services. The free service includes a Transunion score, free credit monitoring and $50,000 in identity theft insurance.
The Better Business Bureau, BBB, gives Credit Sesame an A+ rating. This calculation doesn’t include customers reviews. Although, you can see customers reviews on the BBB profile page for the company, separately.
As with any service you obtain for “free”, there will probably be some type of marketing push from the company for other paid services. These paid services are optional and is up to you to decide if they’re worth it for you.
You can still obtain the free score, monitoring and identity theft insurance without buying the paid services or upgrades from Credit Sesame.
Why your credit score and report matter
- Credit scores and reports may affect your mortgage rates, credit card and loan approvals, ability to rent an apartment, car insurance rate and even your job application.
- Reviewing credit reports or monitoring your credit helps you catch signs of identity theft sooner, rather than later.
How can Credit Sesame help you
Credit Sesame is a credit service company. When you sign up for the free basic account, you’ll get the following:
- Transunion free credit score (VantageScore) – TransUnion is one of the three major credit bureaus. The other two are Experian and Equifax. The VantageScore is the bureaus’ proprietary calculation and it is comparable to the FICO score.
- Free credit monitoring – The company will monitor new accounts activities in your credit profile.
- $50,000 in identity theft insurance
- Profile refresh every month – Your credit score is updated monthly.
Is Credit Sesame Safe?
Credit Sesames is not a scam or a fraud. It’s a real credit service company offering free basic credit information. It also promotes paid services and credit card offerings to its members. These upgrades to your account are not free, but competitively priced.
Industry accreditation – As far as safety is concerned, Credit Sesame currently has an A+ rating from the BBB. The business has been accredited since 2011 and it was created in 2010.
Website security – If you visit the company’s website, you can see these security credentials. These credentials represent industry standards used as part of online security.
Credit Sesame Free Identity Theft Insurance
The basic service provides $50,000 worth of identity theft insurance. Credit Sesame offers free credit monitoring. This is protection against fraud, forgery, breach of data and in case your identity is stolen.
Credit monitoring is recommended to protect your credit identity against fraud. This feature alerts you in case accounts are opened using your identity, credit inquiries are made and suspicious activities is found in your account.
You can obtain a higher level of identity theft insurance ($1 million) and more detailed monitoring of your social security and address change monitoring with the paid service.
Also, all three credit bureaus scores can be obtained with the paid service at Credit Sesame. Plus, monitoring of your credit information on the dark web.
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Credit Sesame Apps on the Go
Get your account information wherever you go. Credit Sesame has an app on iPhone, Android and Kindle. When you sign up for the basic service, you can also download the appropriate app to your mobile device.
App safety and security – set a unique four-digit PIN on the app to safeguard your data from breaches.
Credit Sesame address and phone number
These are the contact information to contact Credit Sesame the business.
- 444 Castro St #500. Mountain View, CA 94041-2059
- (800) 422-8579
Botton line on Credit Sesame
Credit Sesame free service is a good tool to monitor your credit, get a free score and obtain $50,000 in identity theft insurance. That’s a good free basic package. Also, your profile gets updated every month. So, you can see how your score is improving.
The disadvantage of the free service is that it doesn’t include a credit report, only the score. However, you can obtain free credit reports from annualcreditreport.com. You won’t get a free score from that site though.
You can obtain both credit scores and reports with the bureau TransUnion.
Keeping track of your score and monitoring your credit is important. If you are interested in signing up for the basic free service, click here for Credit Sesame.
Note. This blog is an affiliate of Credit Sesame. Credit Sesame did not ask for a review or had editorial input, all opinions expressed are mine.