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Monitoring your credit information gives you the power to take action should errors or fraud occur, make changes to improve your score, and adequately prepare for any financial service you may require in the future. Credit Sesame (creditsesame.com) gives users access to their credit score and report for free, along with $50,000 in identity theft insurance. But with so many credit monitoring services out there, is it the right fit for you?
See all the best credit monitoring services here.
Credit Sesame Credit Monitoring Features
When you register with Credit Sesame, you’ll be able to monitor your VantageScore credit score and TransUnion credit report, see tips on how to improve your credit, and get real-time alerts for any credit report changes.
With a paid, premium subscription, you can access your full credit report from all three credit bureaus.
Free Identity Theft Insurance
With the Credit Sesame free plan, you’ll also get identity restoration tools and $50,000 of insurance for identity theft, fraud and other financial crimes. This insurance covers:
- Attorney’s fees and legal representation, up to $125 per hour
- Notary and court costs
- Application and re-filing fees
- Lost wages for time off work
- Dependent care coverage
- Travel costs
- Postage and communication costs
Members of the Credit Sesame Pro plan enjoy $1 million in identity insurance.
Score Simulator
Credit Sesame’s “What If” tool lets you see what might happen if you make certain credit decisions, like paying off some debt or applying for a credit card. This helps you make education decisions when it comes to your credit.
Product Recommendations
Credit Sesame will recommend credit cards and other financial products that you will likely qualify for. The offers show how much credit you’ll probably gain when you get approved. You can also check to see if you pre-qualify for any personal loans or mortgages.
Credit Sesame Credit Monitoring Plans & Pricing
A free Credit Sesame account will get you access to your credit score and report, along with alerts to credit score changes and up to $50,000 in identity theft insurance. For more robust features, you’ll want to upgrade to a paid, premium plan:
| ADVANCED | PRO | PLATINUM | |
| Pricing per month | $7.95 billed annually $9.95 billed monthly | $12.95 billed annually $15.95 billed monthly | $15.95 billed annually $19.95 billed monthly |
| Daily score update from 1 bureau | X | X | X |
| Monthly score update from 3 bureaus | X | X | X |
| Monthly report from 3 bureaus | X | X | X |
| ID theft insurance | $50,000 | $50,000 | $1 million |
| Credit monitoring from all 3 bureaus | X | X | |
| 24/7 live experts to deal with credit report inaccuracies | X | X | |
| 24/7 lost wallet assistance | X | ||
| Monitoring of public records, dark web & SSN | X |
Bottom Line
Because Credit Sesame is a free service, you don’t have anything to lose by signing up and giving it a try. You’ll be able to monitor your credit score and report easily, access information that will help with your borrowing decisions and get $50,000 of free identity theft insurance. But if you want full access to your credit reports, $1 million in identity protection and identity fraud monitoring, you’ll need to cough up money for a paid Credit Sesame subscription.
If you want free access to your FICO credit score, we recommend looking into Experian Credit Monitoring.
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