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Home Banking

Credit Sesame Review: Get Your Free Credit Score/Report

Tony Jay by Tony Jay
August 16, 2023 11:55 pm CDT
in Banking, Credit Cards
0
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In the financial world, knowing where you stand can often make the difference between making a wise decision and a costly mistake. With Credit Sesame, you have a tool to help you understand, maintain, and improve your credit score.

But how effective is it? Let’s dive into the details.

READ MORE: SEE ALL THE BEST CREDIT MONITORING SERVICES HERE

Offer Details

  • Free Score: Access your TransUnion credit score daily without any costs.
  • Summary of Credit Report: Stay on top of open accounts, debts, and other crucial variables that shape your score.
  • Alerts for Credit Monitoring: Be informed about variations in your credit file, letting you identify potential mistakes and guard your score.
GET YOUR FREE SCORE WITH CREDIT SESAME

How Does Credit Sesame Work?

When you sign up with Credit Sesame, you can check your credit score daily.

  • Stay Updated: Monitor your score daily, understand the factors influencing it, and be aware of any significant changes.
  • Tailored Actions: Receive personalized recommendations to enhance your score and attain your financial objectives more quickly.
  • Review Offers: Discover and assess offers that match your credit profile, ensuring you only go for those with high approval probabilities.
  • Apply with Assurance: With Credit Sesame, you can be more certain about your application’s success. Their platform gives clarity on offers with high approval chances, enabling you to save time and sidestep potential negative impacts.

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Pros & Cons

Pros:

  1. Wide Credit Range Understanding: Ranging from poor to excellent, Credit Sesame gives insights tailored to your credit score, helping you grasp what options are available to you.
  2. Regular Updates: No need to be left in the dark. Credit Sesame’s daily refresh ensures you’re always updated.
  3. Multiple Tools: Apart from score checks, get insights into credit age, utilization, and types of accounts impacting your score.
  4. Soft Inquiry: Using Credit Sesame for daily updates won’t hurt your score, as it counts as a soft inquiry.

Cons:

  1. Only TransUnion Score: The free version of Credit Sesame only provides the TransUnion score. To access scores from all three major bureaus (Equifax, Experian, and TransUnion), an upgrade to Premium is necessary.
  2. Potential Fees: Using certain features, like prepaid debit cards, might come with fees.

READ MORE: SEE THESE CASH BACK SHOPPING DEALS AND PROMOTIONS FOR BONUS CASH AND REWARDS

Understanding Credit Scores

Your credit score is influenced by a combination of factors, including:

  • Payment History (35% Impact): Timely payments on credit accounts play a huge role.
  • Credit Age: The longer your credit history and the more diverse your accounts, the better.
  • Credit Utilization: It’s advisable to use less than 30% of your available credit to maintain a healthy score.
  • Credit Mix: A variety of account types, from mortgages to credit cards, can benefit your score.
  • Inquiries: While soft inquiries (like checking your score on Credit Sesame) don’t affect your score, hard inquiries by lenders can.

READ MORE: GET CASH, PRIZES AND MORE WITH THESE REFERRAL DEALS

Impact On Credit Score

Negative Influences:

  • Late payments
  • Hard inquiries from multiple credit applications in a short period
  • Closing old credit accounts
  • Being a victim of identity theft
  • Completing a loan payment (ironically)
  • Solely making minimum payments on debts

Positive Influences:

  • Regular, full payments
  • Maintaining a credit utilization below 30%
  • Rectifying errors on your credit report
  • Being an authorized user on a responsible account
  • Making more than the minimum required payment
  • Regular use of credit with timely payments

READ MORE: SEE THE BEST NATIONWIDE SAVINGS ACCOUNTS HERE

Credit Sesame’s Credit Card Matching

Credit Sesame simplifies the credit card selection process by providing personalized and transparent recommendations. Here’s how they help:

  • Personalized Recommendations: Analyses individual credit profiles to suggest the most suitable card offers.
  • Higher Approval Odds: Showcases offers with a significant chance of acceptance, minimizing the risk of rejection.
  • Transparency: Detailed insights on each card’s benefits, rates, and fees, ensuring well-informed decisions.
  • Continuous Updates: Regularly refreshes card suggestions based on evolving financial behaviors and market changes.

Credit Sesame streamlines the credit card search, matching users with offers tailored to their unique financial needs and behaviors.

CREDIT SESAME CREDIT CARD MATCHING

Bottom Line

Understanding credit is not just about knowing your score. It’s about understanding what drives that score, the factors that influence it, and the actions you can take to improve it.

Credit Sesame offers a valuable tool, especially with its free daily updates. However, users seeking comprehensive insights from all three major bureaus will need to consider an upgrade.

READ MORE: TAKE A LOOK AT EXPERIAN CREDIT MONITORING FOR FREE ACCESS TO YOUR FICO SCORE

READ MORE: SEE THE BEST BANK BONUSES HERE AND THE BEST INVESTING BONUSES HERE.

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Tony Jay

Tony Jay

Hey there! I'm Tony, a personal finance enthusiast.

If you're looking to maximize your savings, I've got you covered. From exclusive banking promotions and investing bonuses, to exciting credit card offers, I'll keep you in the loop on the hottest deals in town.

Join me here at MoneysMyLife and let's embark on this adventure together. Contact me here.

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Editorial Disclaimer: Opinions expressed here are author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
Disclaimer: These responses are not provided or commissioned by the bank advertiser, credit card issuer, hotel, airline or other entity. Responses have not been reviewed, approved or otherwise endorsed by any of the entities included within the post. It is not the bank advertiser's or any other entity's responsibility to ensure all posts and/or questions are answered.

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