Credit Sesame Credit Reporting Review

Rating: 8.7 / 10 (Excellent)
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Founded in 2010 and headquartered in Mountain View, California, Credit Sesame is a credit and loan management platform offering free credit monitoring and reporting services, as well as identity theft protection and savings recommendations to help customers achieve their financial goals and do more with their credit score.

How is Credit Sesame rated?


Credit Score & Reports
Monitoring & Tools
Plans and Pricing
Reputation & Support

Overall Rating: 8.7 / 10 (Excellent)

As a full-service credit monitoring company, Credit Sesame offers free financial advice, credit score analysis, credit monitoring, and identity theft protection with insurance and restoration support; with no credit card information required. The company also provides paid subscription services at reasonable prices, personalized loan and credit card offers, and reliable advice with insights based on your particular financial profile. Anyone looking to build, maintain or repair their credit can benefit from what Credit Sesame has to offer, especially their free identity theft insurance for up to $50,000, an amazing feature for a free subscription that only requires basic identifying details upon signup. People interested in Credit Sesame's monitoring services should be aware the company does not provide actual credit reports, but credit report cards or summaries based on information gathered from each bureau.

Credit Score & Reports

Credit Score & Reports - 9 / 10

Credit Sesame's free membership offers personalized credit report cards, monthly score updates, and credit monitoring, based on an analysis of your TransUnion credit report. Though it contains five sections outlining your payment history, credit utilization, credit age, account mix, and credit inquiries; it must be noted these report cards differ greatly from an actual credit report. People looking to obtain a more in-depth analysis of their financial information should consider the company's paid services, which include credit score updates and monitoring from the three main bureaus, identity theft protection, and support services.

Credit Bureaus Covered

Credit Report Frequency
Access to Credit Scores
Access to Credit Reports

Monitoring & Tools

Monitoring & Tools - 9 / 10

Credit Sesame's free credit monitoring includes a credit and financial analysis with insights and alerts on important changes to your credit. The company also offers identity theft insurance of up to $50,000 with the free account and up to $1 million with paid premium services.
Credit Tools
Credit Change Alerts
Security & Protection
Identity Theft Monitoring
Identity Theft Insurance
Identity Theft Insurance Limit

Credit Sesame Plans & Pricing

Plans and Pricing - 8 / 10

As previously stated, Credit Sesame offers free services, including credit monitoring and identity theft protection, with up to $50,000 in insurance. They also provide premium paid services, starting with their Advanced Credit Plan for $9.95 a month ($95.50 for the year). The Advanced option features the same services included in the free subscription, with the addition of daily score updates from one credit bureau and monitoring from all three bureaus. They also offer a Pro Credit Plan for $12.95 a month ($115.40 for the year) and a Platinum protection plan for $15.95 a month ($191.40 for the year). Both Pro and Platinum plans offer everything included with the free subscription as well as identity theft protection and monitoring services.
30-day Trial Available?
Free Report Offered?
Monthly Price
Starting at $9.95
Annual Price
Starting at $95.5

Credit Sesame Reputation & Support

Reputation & Support - 9 / 10

Although a newcomer to the credit monitoring business, Credit Sesame is a Better Business Bureau-accredited company with an A+ rating and a composite score of 4.15 out of 5 stars, based on 17 customer reviews. They have also received an 8.5 out of 10 TrustScore on, where customer feedback is 65% positive. Clients who have worked with Credit Sesame agree that the company offers quality services, easy-to-use tools, and accurate scores for free. The company has also developed a highly-rated mobile phone application featuring enhanced alerts with 24/7 monitoring and free identity theft protection.
Mobile App
Alert Methods

Customer Feedback

BBB Rating
Number of BBB Positive Reviews
Number of BBB Neutral Reviews
Number of BBB Negative Reviews
Trust Pilot Rating
8.5 out of 10
Date Collected

Contact & Additional Company Information

Year Founded
Homepage URL
Company Phone
(800) 422-8579
Headquarters Address
607 W Dana St, Mountain View, CA, 94041

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Our Partner
8.7 / 10
  • Free credit score with monitoring
  • NO credit card required
  • Upgrade available to monitor & fix ID Theft
  • 24/7 Expert support
  • Credit score monitoring included (Insurance available as a paid upgrade)