Credit Sesame Credit Reporting Review

Rating: 8.4 / 10 (Excellent)
Disclosure: We receive advertising revenue from this partner. Learn more.
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.

Credit Sesame-Overview

Credit Sesame's flagship credit reporting product is their Pro Credit plan, which costs $12.95/month. When we compared this offering to other similarly priced plans of other companies in the marketplace, we found that Pro Credit provided a surprisingly large scope of services for the price.

Credit Bureaus

Pro Credit Plan

Credit Sesame scores highly in this area because their Pro Credit plan offers unprecedented credit monitoring services for all three bureaus. The company aims to take the hassle out of what can be a time consuming and complicated process. In addition to daily alerts, score monitoring and monthly reports from TransUnion, Experian, and Equifax, Credit Sesame gives Pro Credit customers access to 24/7 support. 


-Daily TransUnion credit score update
-Daily monitoring of TransUnion, Experian, and Equifax score with alerts
-Monthly score updates from all three bureaus
-Three bureau full monthly credit report in one easy-to-read document

Credit Sesame can alert you to any kind of activity on your TransUnion score within seconds. The company offers 35 different types of alerts depending on the type of activity. 

Plans and Pricing

Credit Sesame offers a "free membership" which allows you to test drive their services as long as you want. The company's pay plans cost less if you elect to pay for the full year instead of month to month. You are able to cancel at any time but must cancel in the manner specified by the company.

Credit Sesame ranks highly here because their rates are very competitive. Also, the company offers good discounts if you pay the entire year up front.

Pro Credit

$12.95/mo if paid annually--$15.95 month-to-month

Identity Theft Protection

Credit Sesame's Pro Credit plan offers $50,000 in identity theft insurance and fraud resolution assistance. This is less than most of the industry leaders in identity theft protection. Credit Sesame's strengths lie primarily with its excellent credit monitoring and repair services.

Replacing documents


Traveling expenses


Lost income


Child/elderly care


Fraudulent withdrawals


Legal fees


Support Services

Credit Sesame's Pro Credit plan provides the customer with the advice and assistance of specialists who investigate and dispute incorrect information on all of your credit reports. The company works to remove and correct fraudulent information, protecting your credit profile.

In addition, Credit Sesame features 24/7 expert assistance. The company also has a searchable online knowledge base and mobile apps for iPhone and Android. Their encryption methods are industry standard and approved by Verisign.

Credit Sesame

Credit Sesame is an great choice to put you back on the road to financial wellness. If you want to maintain vigilance over your credit score, and get expert help in improving it, the Pro Credit plan is an excellent option.  When you consider all you are getting for a relatively low price, i.e. daily alerts, daily TransUnion credit score, monitoring and alerts from all three bureaus, 24/7 assistance and support with credit repair, you'll see why we recommend Credit Sesame. The company helps you with financial tools and personalized recommendations to get your finances in line.





Our Partner
8.4 / 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)